Revised: 01/2019

SUMMARY OF BENEFITS FOR CONTRACT EMPLOYEES

Johnson Service Group, Inc. (JSG) is pleased to offer its contract employees a competitive benefits package. Please review this summary for more information on all of the benefits available to you as a JSG contract employee.

CENTURY HEALTHCARE (CHC) – LIMITED FIXED INDEMNITY GROUP BENEFITS PLAN (specific plan information attached) Enrollment in the voluntary health benefits through Century Healthcare (CHC) must be made within thirty (30) days following an employee's hire date. Employees must enroll through CHC’s telephonic enrollment center at (888) 232-9431, Monday through Friday, from 7:00 AM to 7:00 PM CST. For claims and customer service, please call (877) 685-2432. Note: Please be sure to provide the password “JOHNSON” when enrolling.

If an employee wishes to enroll in these benefits after 30 days of employment, he or she will be allowed to enter into plans during the annual Open Enrollment period. Open Enrollment periods will be communicated to employees as they become available. For Qualifying Life Events (QLEs), such as child birth, divorce, loss of coverage through the spouse’s employer, etc., changes to the employee’s health insurance benefits can be made at the time of the event, as long as the change is requested within 30 days. **Upon successful completion of a twelve month measurement period (as defined by the Affordable Care Act), where the employee has worked at least 1,560 hours, an additional medical benefit option will be made available.**

The CHC limited fixed indemnity medical plans are not comprehensive major medical plans. They are a package of services and fixed indemnity benefits that pay benefits for specified medical services and are designed to help take care of the basic medical care needs of insured employees and their families. These plan options pay in addition to any other insurance in force and are not Medicare Supplement plans. All premiums for CHC benefits are deducted from paychecks on a weekly basis. Additional information, including prices, can be found in the Employee Toolbox on the JSG web site at www.jsginc.com.

HEALTHCARE SOLUTIONS TEAM (HST) – PORTABLE BENEFITS – MAJOR MEDICAL, INDEMNITY PLANS, DENTAL/VISION, ACCIDENT/CRITICAL ILLNESS All employees have the option of designing a portable health plan tailored to suit their individual specific healthcare needs. These medical benefit options can be accessed exclusively through the Healthcare Solutions Team (HST), JSG’s partner in providing this benefit option. The Healthcare Solutions Team provides access to world class benefits from the nation’s top-rated insurance carriers including United Healthcare, Manhattan Life, National General, Blue Cross Blue Shield, Anthem, and Aetna. Note: Availability varies by state.

Employees may select from several benefit options. The options are comprised of benefits that are more traditional in nature, benefits that include a Health Savings Account component, short term major medical benefits, benefits that address high risk individuals (for those individuals with most pre-existing conditions), and guaranteed acceptance plans.

There is no waiting period to enroll and upon acceptance coverage can begin. An employee pays 100% of the premium cost and may have the option to have premiums deducted from his or her weekly paycheck. These benefits are individually tailored to an employee’s personal circumstances and remain with the individual upon termination from JSG employment.

For more information, please go to www.jsghealthplans.com or contact the Healthcare Solutions Team directly at (866) 934-9013. There is also a link to this website in the Employee Toolbox located on the JSG website at www.jsginc.com.

Revised: 01/2019

AFLAC ACCIDENT ADVANTAGE Accident insurance can help an employee with the multiple costs of an unexpected accident. This plan pays a cash benefit to an employee for all types of off-the-job accidents. Coverage is available for employees, spouses, and dependent children. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. The plan also provides a wellness benefit that can be used for routine & preventive care. This 100% employee paid plan is offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.

AFLAC CANCER CARE This plan offers protection in the event an employee or a family member is diagnosed with cancer. Even with major medical insurance, the financial obligation can be devastating to an employee's savings or future income in a cancer situation. The benefits in this policy pay cash directly to the employee for treatments such as an initial diagnosis, surgery, hospitalization, radiation and chemotherapy, experimental therapy and bone marrow transplant. Since 96% of all cancers are now treatable if diagnosed early, this plan also offers a benefit for cancer screening. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. The plan also has a specified disease rider covering 31 diseases. This rider pays directly to the employee for an initial diagnosis of one of the specified diseases and if the employee or a covered person is confined in a hospital for treatment of one of the specified diseases. Coverage is available for employees, spouses, and dependent children. This 100% employee paid plan is offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.

AFLAC CRITICAL CARE This Specified Health Event Protection Plan provides coverage for sickness and injury, and provides specified health event coverage for critical illness. This plan offers protection should an employee or his/her spouse have a catastrophic event, such as a heart attack, stroke, kidney failure, major third-degree burns, or coronary artery bypass surgery. Additional benefits include intensive care, hospital confinement, and heart surgery benefits. The plan is designed to protect an employee against the financial burden created by these types of events. Benefits are eligible for One Day Pay, meaning claims filed by 3:00 PM EST are paid the next day. This 100% employee paid plan is also offered through Aflac on a pre-tax basis and is portable after one month of participation should an employee leave JSG.

SECTION 125 PREMIUM ONLY PLAN All employees may take advantage of certain provisions permitted by Section 125 of the Internal Revenue Code. Under this program, employees may choose to pay for company sponsored benefits with a portion of their pay before federal or Social Security taxes are withheld. When an employee selects this program, their premium payment will be deducted from their gross income.

401(K) RETIREMENT PLAN Johnson Service Group, Inc. offers a 401(K) investment option through Transamerica Retirement Solutions to aid employees in planning and meeting the financial needs of their retirement years.

Participation in the plan is voluntary and available to all contract employees age 21 or older. Contributions via JSG payroll can begin on or after the first of the month following thirty (30) days of service.

To have your information entered in the Transamerica database, please contact Johnson Service Group’s Human Resources Department at (630) 655-3500 or at benefits@jsginc.com. Once your information has been entered into the Transamerica database, salary reduction contribution amounts may be changed, discontinued, and then resumed again at any time throughout the year. Also, participants may change the investment direction of their contributions at any time. Additional information is available on the JSG website at www.jsginc.com.

COMMUTER BENEFIT PROGRAM The Commuter Benefit Program is designed to help JSG contract employees save time and money when they use public transit for their commute to work – whether it be by train, subway, bus, vanpool, etc. As part of the program, funds are deducted weekly from employees’ paychecks on a pre-tax basis and moved to a commuter account. With funds loaded onto a commuter or parking card, employees can then use this card to pay for their daily commute to work. The program is available to all contract employees at any time during their employment with JSG. If interested, please reach out to JSG’s Human Resources Department at (630) 655-3500 or at benefits@jsginc.com for more details and to enroll in the program.

MEC BASIC PLAN OPTION

Please note that this plan only covers preventive services as required under the Affordable Care Act. To learn more visit www.healthcare.gov

The preventive services will only be covered at 100% when utilizing in-network providers.

MEC SUMMARY

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MEC PLUS PLAN OPTIONS

MEC PLUS PLAN OPTIONS

All benefits except Accident Medical, AD&D, and Term Life are subject to Benefit Year Maximums as shown above.Benefit Year means the 12 consecutive months from the group’s original effective date. Please note that this is just a summary of the benefits and to

know the full details of the policy the certificate of coverage needs to be reviewed once the policy is effective.

LIMITED BENEFIT MEDICAL VSMEC PLUS PLANS

What is a Limited Bene�t Medical Plan (LBMP)? A Limited Bene�t Medical Plan is designed to help you deal with covered medical expenses from covered accident (or sickness) events such as physician of�ce visits, emergency room trips, hospitalization, diagnostic tests and even prescription drugs up to certain preset limited bene�t levels. This program is not basic health insurance or major medical insurance; and is not designed to replace, provide or modify major medical insurance.

What is a Minimum Essential Coverage (MEC) Plus Plan?A Minimum Essential Coverage Plus Plan consists of a Fully Insured or Self-Funded Limited Bene�t Medical Plan and a Self‐Funded 100% Preventive Care Plan. The Limited Bene�t Medical Plan is designed to help you deal with covered medical expenses from a covered accident (or sickness) such as physician of�ce visits, emergency room trips, hospitalization, diagnostic lab and X‐rays, surgeries and prescription drugs up to certain bene�t levels. This program is not major medical insurance. The Self‐Funded100% Preventative Care plan is designed to be compliant with the Affordable Care Act by meeting the Minimum Essential Coverage requirements of Healthcare Reform. This plan satis�es the Individual Mandate. Self-Funded plans in the large group market are not required to cover all of the essential bene�ts. An employer can offer minimum essential coverage and avoid the 4980 H (a) “no offer” penalty/tax/assessment.

The Century Healthcare program is packaged with access to Limited Bene�t Medical insurance, certain non‐insured bene�ts and PPO savings. This program is not designed to cover the level of expense found with treatment or care for rare disease or catastrophic illness.

How do I use the program if I need care or treatment for an accident or sickness? Network: If you chose an in network provider, you are entitled to a discount on your services. This means that you are able to save out of pocket expenses. Century Healthcare discounts the bill and sends the provider the bene�t payment along with an explanation of bene�ts. Please note that in order to receive 100% coverage for preventive services in an MEC Plus Plan the services must be received from an in-network provider.

Find a Provider:To locate a participating PHCS Limited Bene�t Network provider in your area, please call PHCS at (877) 796-7427 or visit www.multiplan.com/chc.

Schedule an Appointment :Call your selected provider and set up an appointment to see your doctor. We recommend you con�rm your provider’s continued participation in the PHCS Limited Bene�t Network when you make your appointment.

Bene�t Amounts:The Plan pays based on a �xed schedule of bene�ts. If the plan states you are entitled to a $75 of�ce visit bene�t per day, the bene�t you are entitled to is $75 even if you choose an out of network provider. This does not apply to the preventive services covered under the MEC plans; in order to obtain 100% coverage for preventive services under the MEC, the bene�ts need to be obtained through an in-network provider.

How to Use the Plan:When a member goes in for service, the member simply has to show his/her Century Healthcare ID card. You do not need to pay anything at point of service, nor do you need to �ll out a claim form. The provider will submit the claim to our third party administrator and the plan pays the provider directly. If the bene�t amount is greater than the billed amount, the plan will pay the difference to the member. For example: Member goes to get an X-Ray which costs $100 and the bene�t for outpatient diagnostic testing is $125; The plan will pay the $100 to the facility and then pay the remaining $25 to the member.

Assignment of Bene�ts:Century Healthcare allows assignment of bene�ts. There are no deductibles or coinsurance. Only prescriptions are subject to co‐pays.

Payment:The provider will bill the plan directly. If the provider wishes you pay up front, have them call Century Healthcare customer service while you are at the provider’s of�ce. If you elect to pay up front you can easily �le for reimbursement by submitting the claim to the plan.

If you have questions about your bene�ts or the status of claims, please call CHC Customer Service at (877) 685-2432 from 7:00 a.m. to 7:00 p.m. CDT/CST. WebTPA pays the claims for Century Healthcare.

MEC Enhanced Advantage Plus

MEC Enhanced Advantage Plus

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MEC Enhanced Advantage Plus (Hospital Indemnity Component)

METLIFE DENTAL PLAN

▪

▪

Send Dental Claims to:

Group Policy No.: KM 05930189-G

MetLifeDental

P.O. Box981282

El Paso, TX 79998‐1282

When you choose to receive care from a preferred dentist participating

in the MetLife Preferred Dentist Program (PDP), your out‐of‐pocket

expense will generally be lower than when you visit a non‐participating

dentist.To verify dental coverage, call 1‐800‐275‐4638. Pleasereview

important information on reverse side. A Group Policy Number To find dental providers in your neighborhoodvisit call

is not required to file a claim. The ID# for all insureds is their 1‐877‐638-3379 or visit www.metlife.com/dental.

Social Security Number.This card is the property of MetLife fraudulent use may result in

termination of benefits. Possession of this card in itself confers no right

to benefits or guarantee of coverage. Persons must be currently

enrolled. Promptly notify us if card is lost or stolen.

0908‐2499 210000000000002188(0809)

PEANUTS © United Feature Syndicate,

Member Signature Inc.

Metropolitan Life Insurance

Company 200 Park Avenue, New

York, NY 10166

DAVIS VISION PLAN

12

OPTIONAL & DEPENDENT LIFE

OPTIONAL LIFE BENEFIT SCHEDULE AGE BASED BENEFIT REDUCTION GUARANTEED ISSUE

Employees are able to select coverage in increments of $25,000 up to $250,000

To 65% at age 65-69To 50% at age 70-74To 35% at age 75-79To 25% at age 80-84To 20% at age 85-89To 15% at age 90-94To 10% at age 95+

All Amounts

DEPENDENT LIFE BENEFIT OPTION

Spouse $25,000

Weekly Cost $3.05

Child(ren) $10,000

Weekly Cost $0.42

Guaranteed Issue All Amounts

$25,000 $50,000 $75,000 $100,000 $125,000

$1.04 $2.08 $3.12 $4.15 $5.19

$4.10 $8.19 $12.29 $16.38 $20.48

$19.50 $39.00 $58.50 $78.00 $97.50

$150,000 $175,000 $200,000 $225,000 $250,000

$6.23 $7.27 $8.31 $9.35 $10.38

$24.58 $28.67 $32.77 $36.87 $40.96

$117.00 $136.50 $156.00 $175.50 $195.00

SHORT-TERM DISABILITY

Contract No. 800926-00000(000)

Dear JSG Contract Employee:

Since August 2012, the U.S. Department of Labor requires that 401(k) Plan Fee Disclosure statements are sent to new employees.

Please note this document is for informational purposes only. In order to enroll in the 401(k) Plan, please contact Johnson Service Group’s Corporate Human Resources Department at benefits@jsginc.com.

The 401(k) fee disclosure notice is also posted on JSG’s website in the employee toolbox section.

If you have any questions or need additional information, please contact Human Resources.

Sincerely,

JOHNSON SERVICE GROUP, INC.

Human Resources Department One East Oak Hill Drive Suite 200 Westmont, IL 60559 Phone: (630) 655-3500 Fax: (630) 655-4689

1

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s, an

d leg

al fee

s, wh

en ap

plica

ble, a

nd as

perm

itted

to be

char

ged t

o the

plan

.

The

fees d

escri

bed

abov

e ma

y be

paid

by yo

ur e

mploy

er, o

r fro

m: a

n ex

pens

e ac

coun

t esta

blish

ed fo

r the

plan

; a d

educ

tion

from

each

par

ticipa

nt ac

coun

t on a

pro-

rata

or pe

r cap

ital b

asis,

or ex

pens

es co

llecte

d fro

m ea

ch in

vestm

ent c

hoice

selec

ted fo

r the

plan

. Fo

r tho

se fe

es de

ducte

d fro

m ea

ch p

artic

ipant

acco

unt,

the a

ctual

amou

nt de

ducte

d, as

well

as

a de

scrip

tion

of the

ser

vices

to w

hich

the fe

e re

lates

, will

be re

porte

d on

the

quar

terly

partic

ipant

statem

ent.

Refe

r to

Exhi

bit A

to se

e det

ails r

egar

ding

any b

ase a

nd p

er p

artic

ipan

t fee

s app

licab

le to

your

Plan

.Tr

ansa

ctio

n Fe

esTr

ansa

ction

fees

whic

h may

be ch

arge

d aga

inst in

dividu

al pa

rticipa

nt ac

coun

ts inc

lude:

Fe

es ch

arge

d by T

rans

amer

ica fo

r pro

viding

servi

ces r

elated

to th

e esta

blish

ment

and m

ainten

ance

of lo

ans,

distrib

ution

s and

with

draw

als.

The

actua

l amo

unts

dedu

cted,

as w

ell a

s a

desc

riptio

n of

the s

ervic

es to

whic

h the

fees

relat

e, if

any,

are

repo

rted

on y

our q

uarte

rly p

artic

ipant

statem

ent.

Refe

r to

Exhi

bit A

to se

e a lis

t of t

he T

rans

actio

n Fe

es ap

plica

ble t

o yo

ur P

lan.

Asse

t-Bas

ed F

ees

Contr

act A

sset

Char

ges.

Dep

endin

g on

the

demo

grap

hics o

f the

Plan

, a C

ontra

ct As

set C

harg

e (C

AC) a

nd/or

othe

r ass

et-ba

sed

fees m

ay a

pply.

Th

e CAC

is ex

pres

sed a

s a pe

rcenta

ge of

the a

ssets

held

in ea

ch In

vestm

ent C

hoice

on a

pro-

rata

basis

. Othe

r ass

et-ba

sed f

ees m

ay be

expr

esse

d as

a pe

rcenta

ge of

the a

ssets

held

in ea

ch In

vestm

ent C

hoice

on a

pro-

rata

basis

, or a

s a sp

ecifie

d doll

ar am

ount

char

ged t

o the

Plan

. Ass

et-ba

sed

fees a

re u

sed

to su

bsidi

ze co

sts fo

r plan

-relat

ed re

cord

keep

ing, a

dmini

strati

on, p

ayme

nt to

finan

cial a

dviso

rs, a

nd o

ther r

etire

ment

plan

servi

ces

that w

ould

other

wise

be

char

ged

sepa

ratel

y. A

neg

ative

CAC

repr

esen

ts a

credit

to th

e as

sets

unde

r the

Con

tract.

The

actu

al do

llar a

moun

ts ar

e re

porte

d on y

our q

uarte

rly pa

rticipa

nt sta

temen

t.Re

fer t

o Ex

hibi

t A to

see a

des

crip

tion

of th

e Ass

et-B

ased

Fee

s app

licab

le to

your

Plan

.

Inve

stm

ent I

nfor

mat

ion

The

infor

matio

n be

low is

pro

vided

to h

elp yo

u co

mpar

e the

Inve

stmen

t Cho

ices u

nder

your

Plan

. If

you

want

addit

ional

infor

matio

n ab

out y

our I

nves

tmen

t Cho

ices,

includ

ing

princ

ipal ri

sks,

curre

nt inv

estm

ent p

erfor

manc

e and

a glo

ssar

y of te

rms,

you m

ay go

to:

ta-

retire

ment.

com

or ca

ll 1-8

00-4

01-8

726.

Tabl

e 1 be

low fo

cuse

s on I

nves

tmen

t Cho

ices t

hat d

o not

have

a fix

ed or

state

d rate

of re

turn,

and s

hows

fee a

nd ex

pens

e info

rmati

on, a

s well

as in

vestm

ent p

erfor

manc

e for

ea

ch ch

oice

and

an a

ppro

priat

e be

nchm

ark p

erfor

manc

e (sh

own

in ita

lics).

Pas

t per

forma

nce

does

not

guar

antee

how

the

Inves

tmen

t Cho

ice w

ill pe

rform

in th

e fut

ure.

You

r inv

estm

ent in

thes

e cho

ices c

ould

lose m

oney

.

Total

Ann

ual O

pera

ting E

xpen

ses r

educ

e the

rate

of re

turn o

f eac

h Inv

estm

ent C

hoice

. Fu

nd sp

ecific

oper

ating

expe

nse d

etails

are a

vaila

ble at

ta-

retire

ment.

com.

The

cumu

lative

effe

ct of

fees a

nd e

xpen

ses c

an su

bstan

tially

redu

ce th

e gr

owth

of yo

ur re

tireme

nt sa

vings

. Vi

sit th

e De

partm

ent o

f Lab

or’s

webs

ite fo

r an

exam

ple sh

owing

the

long

-term

effec

t of fe

es an

d exp

ense

s at h

ttp://w

ww.do

l.gov

/ebsa

/publi

catio

ns/40

1k_e

mploy

ee.ht

ml.

Cont

ract

No.

800

926-

0000

0(00

0)5

Fees

and e

xpen

ses a

re on

ly on

e of m

any f

actor

s to c

onsid

er w

hen y

ou de

cide t

o inv

est.

You m

ay al

so w

ant to

think

abou

t whe

ther in

vesti

ng in

a pa

rticula

r Inv

estm

ent C

hoice

wi

ll help

you a

chiev

e you

r fina

ncial

goals

.

Com

para

tive C

hart

- Tab

le 1 -

Var

iable

Choi

ces

Nam

e of I

nves

tmen

t Ch

oice

/Ince

ptio

n (M

o/Yr

)/Be

nchm

ark

Asse

tCl

ass

Sub-

Asse

t Cl

ass

Tota

l Ann

ual

Inve

stm

ent C

hoice

Oper

atin

g Ex

pens

es

Aver

age A

nnua

l Tot

al Re

turn

06

-30-

2018

As %

Per

$1,00

0*1 Y

r.5 Y

r.10

Yr.

or S

ince

Incep

tion

Shar

ehol

der-T

ype F

ees /

Co

mm

ents

AEGO

N Ca

sh R

eser

ve R

et Op

tFT

SE T

reas

ury B

ill 3

Mon

thSh

ort

Bond

s/Stab

le/M

Mkt

Cash

Eq

uivale

nt/Mo

ney M

arke

t

0.65%

$6.50

1.47%

1.33

%0.4

9%0.

39%

0.37%

0.31%

7-da

y cur

rent

yield:

2.06

%

JPMo

rgan

Sho

rt Du

ratio

n Bon

d Ret

Opt

Bloo

mbe

rg B

arcla

ys U

S Go

vern

men

t/Cre

dit 1

-3 Y

r

Shor

t Bo

nds/S

table/

MMk

t

Shor

t-Ter

m Bo

nds

1.25%

$12.5

0-0

.76%

0.21

%0.0

3%0.

84%

0.95%

1.65%

N/A

Colum

bia Q

uality

Inco

me R

et Op

tBl

oom

berg

Bar

clays

US

MBS

Inter

m./Lo

ng-

Term

Bon

dInt

erme

diate-

Term

Bon

ds1.1

6%$1

1.60

0.30%

0.15

%1.7

5%2.

25%

3.88%

3.54%

See T

ype B

- GA

C no

te be

low fo

r tra

nsfer

restr

iction

s JP

Morg

an C

ore B

ond R

et Op

tBl

oom

berg

Bar

clays

US

Aggr

egat

e Bo

ndInt

erm.

/Long

-Te

rm B

ond

Inter

media

te-Te

rm B

onds

1.00%

$10.0

0-0

.72%

-0.4

0%1.6

8%2.

27%

3.49%

3.72%

See T

ype A

- GA

C no

te be

low fo

r tra

nsfer

restr

iction

s Tr

ansa

meric

a Par

tners

High

Yiel

d Bon

d Re

t Opt

ICE

BofA

ML

US H

igh Y

ield

Aggr

essiv

e Bo

nds

High

Yiel

d Bo

nds

1.05%

$10.5

01.6

7%2.

53%

5.08%

5.51

%7.1

4%8.0

3% N/

A

Oppe

nheim

er In

terna

tiona

l Bon

d Ret

Opt

FTSE

WGB

I Non

USD

Aggr

essiv

e Bo

nds

Wor

ld/Fo

reign

Bo

nds

1.25%

$12.5

0-1

.40%

3.22

%1.8

4%1.

01%

2.74%

1.78%

N/A

Temp

leton

Glob

al Bo

nd R

et Op

tFT

SE W

GBI

Aggr

essiv

e Bo

nds

Wor

ld/Fo

reign

Bo

nds

1.21%

$12.1

0-2

.36%

1.90

%1.3

8%1.

11%

5.07%

2.07%

N/A

Amer

ican F

unds

Fun

dame

ntal In

vesto

rs Re

t Opt

S&P

500

Larg

e-Ca

p St

ocks

Larg

e-Ca

p Bl

end S

tocks

0.95%

$9.50

14.03

%14

.37%

12.95

%13

.42%

8.76%

10.17

%Se

e Typ

e A -

GAC

note

below

for

trans

fer re

strict

ions

WMC

Cor

e Equ

ity R

et Op

tRu

ssell

100

0La

rge-

Cap

Stoc

ksLa

rge-

Cap

Blen

d Stoc

ks1.0

5%$1

0.50

15.14

%14

.54%

13.16

%13

.37%

8.85%

10.20

% N/

AAl

ger C

apita

l App

recia

tion R

et Op

tRu

ssell

100

0 Gr

owth

Larg

e-Ca

p St

ocks

Larg

e-Ca

p Gr

owth

Stoc

ks1.3

8%$1

3.80

23.31

%22

.51%

16.09

%16

.36%

11.20

%11

.83%

N/A

Cont

ract

No.

800

926-

0000

0(00

0)6

Com

para

tive C

hart

- Tab

le 1 -

Var

iable

Choi

ces

Nam

e of I

nves

tmen

t Ch

oice

/Ince

ptio

n (M

o/Yr

)/Be

nchm

ark

Asse

tCl

ass

Sub-

Asse

t Cl

ass

Tota

l Ann

ual

Inve

stm

ent C

hoice

Oper

atin

g Ex

pens

es

Aver

age A

nnua

l Tot

al Re

turn

06

-30-

2018

Shar

ehol

der-T

ype F

ees /

Co

mm

ents

As %

Per

$1,00

0*1 Y

r.5 Y

r.10

Yr.

or S

ince

Incep

tion

Virtu

s Cer

edex

Mid-

Cap V

alue E

quity

Re

t Opt

Russ

ell M

id Ca

p Va

lue

Small

/Mid-

Cap

Stoc

ksMi

d-Ca

p Valu

e St

ocks

1.27%

$12.7

07.4

4%7.

60%

10.68

%11

.27%

11.31

%10

.06%

N/A

Goldm

an S

achs

Mid-

Cap O

ppor

tunitie

s Re

t Opt

Russ

ell M

id Ca

p Gr

owth

Small

/Mid-

Cap

Stoc

ksMi

d-Ca

p Gr

owth

Stoc

ks1.3

0%$1

3.00

14.33

%18

.52%

10.58

%13

.37%

9.36%

10.45

% N/

A

TA V

angu

ard S

mall-C

ap V

alue I

ndex

Re

t Opt

Russ

ell 2

000

Value

Small

/Mid-

Cap

Stoc

ksSm

all-C

ap

Value

Stoc

ks0.9

4%$9

.4011

.57%

13.1

0%11

.51%

11.1

8%10

.34%

9.88%

See T

ype A

- GA

C no

te be

low fo

r tra

nsfer

restr

iction

s

Inves

co S

mall C

ap G

rowt

h Ret

Opt

S&P

500

Small

/Mid-

Cap

Stoc

ksSm

all-C

ap

Grow

th St

ocks

1.17%

$11.7

023

.77%

14.3

7%14

.44%

13.4

2%11

.82%

10.17

%Se

e Typ

e A -

GAC

note

below

for

trans

fer re

strict

ions

Neub

erge

r Ber

man R

eal E

state

Ret O

ptFT

SE N

AREI

T Al

l Equ

ity R

EITs

Small

/Mid-

Cap

Stoc

ksRe

al Es

tate

1.47%

$14.7

04.5

3%4.

93%

7.37%

8.88

%8.4

5%8.3

0% N/

AAm

erica

n Fun

ds E

uroP

acific

Gro

wth R

et Op

tM

SCI A

CWI E

x USA

Inter

natio

nal

Stoc

ksW

orld/

Fore

ign

Stoc

ks1.1

0%$1

1.00

8.68%

7.28

%7.7

5%5.

99%

4.26%

2.54%

See T

ype A

- GA

C no

te be

low fo

r tra

nsfer

restr

iction

s

Oppe

nheim

er D

evelo

ping M

arke

ts Re

t Op

tM

SCI E

M

Inter

natio

nal

Stoc

ksEm

ergin

g Ma

rket S

tocks

1.57%

$15.7

011

.89%

8.20

%5.2

9%5.

01%

5.10%

2.26%

N/A

Blac

kRoc

k Glob

al Al

locati

on R

et Op

tFT

SE W

orld

Inde

xMu

lti-As

set/O

ther

Balan

ced

1.30%

$13.0

03.3

6%11

.14%

4.85%

10.1

3%4.1

4%6.5

9% N/

AMa

nning

& N

apier

Pro

-Mix

Cons

erva

tive

Term

Ret

Opt

Mor

nings

tar M

oder

ately

Con

serv

ative

Ta

rget

Risk

Multi-

Asse

t/Othe

rAs

set

Alloc

ation

Inv

estm

ent

Choic

es

1.25%

$12.5

02.7

6%4.

68%

3.33%

5.23

%4.5

3%5.2

7% N/

A

Mann

ing &

Nap

ier P

ro-M

ix Mo

dera

te Te

rm R

et Op

tM

ornin

gsta

r Mod

erat

ely C

onse

rvat

ive

Targ

et R

isk

Multi-

Asse

t/Othe

rAs

set

Alloc

ation

Inv

estm

ent

Choic

es

1.30%

$13.0

04.1

8%4.

68%

4.29%

5.23

%4.9

4%5.2

7% N/

A

Mann

ing &

Nap

ier P

ro-M

ix Ex

tende

d Te

rm R

et Op

tM

ornin

gsta

r Mod

erat

e Ta

rget

Risk

Multi-

Asse

t/Othe

rAs

set

Alloc

ation

Inv

estm

ent

Choic

es

1.30%

$13.0

06.2

4%6.

92%

5.58%

6.92

%5.7

6%6.2

8% N/

A

Cont

ract

No.

800

926-

0000

0(00

0)7

Com

para

tive C

hart

- Tab

le 1 -

Var

iable

Choi

ces

Nam

e of I

nves

tmen

t Ch

oice

/Ince

ptio

n (M

o/Yr

)/Be

nchm

ark

Asse

tCl

ass

Sub-

Asse

t Cl

ass

Tota

l Ann

ual

Inve

stm

ent C

hoice

Oper

atin

g Ex

pens

es

Aver

age A

nnua

l Tot

al Re

turn

06

-30-

2018

Shar

ehol

der-T

ype F

ees /

Co

mm

ents

As %

Per

$1,00

0*1 Y

r.5 Y

r.10

Yr.

or S

ince

Incep

tion

Mann

ing &

Nap

ier P

ro-M

ix Ma

ximum

Te

rm R

et Op

tM

ornin

gsta

r Agg

ress

ive T

arge

t Risk

Multi-

Asse

t/Othe

rAs

set

Alloc

ation

Inv

estm

ent

Choic

es

1.30%

$13.0

013

.13%

11.4

2%8.9

2%9.

93%

7.47%

7.55%

N/A

*This

is th

e cos

t of e

ach I

nves

tmen

t Cho

ice fo

r a 12

-mon

th pe

riod o

f time

.No

te Ty

pe A

- GA

C: T

rans

fers i

nto th

e inv

estm

ent c

hoice

are r

estric

ted fo

r a ro

lling 3

0-da

y per

iod on

ce a

trans

fer ou

t has

been

mad

e.

Note

Type

B -

GAC:

Tra

nsfer

s into

the i

nves

tmen

t cho

ice ar

e res

tricted

for a

rollin

g 28-

day p

eriod

once

a ro

und t

rip tr

ansfe

r ("in

" and

"out"

) has

been

mad

e.

Tabl

e 2 be

low fo

cuse

s on

Inves

tmen

t Cho

ices t

hat h

ave

a fix

ed o

r stat

ed ra

te of

retur

n, an

d sh

ows t

he a

nnua

l rate

of r

eturn

, the

term

or l

ength

it is

earn

ed, a

nd o

ther i

nform

ation

re

levan

t to pe

rform

ance

.

Com

para

tive C

hart

- Tab

le 2 –

Fixe

d Ch

oice

s

Nam

e of I

nves

tmen

t Cho

iceRe

turn

/Cre

dite

d Ra

teTe

rmOt

her (

Expl

anat

ion

of T

erm

)Sh

areh

olde

r-Typ

e Fee

s/Com

men

ts

Ther

e are

no in

vestm

ent c

hoice

s und

er yo

ur P

lan th

at ha

ve a

fixed

or st

ated r

ate of

retur

n.

Exhi

bit A

– Su

mm

ary o

f Plan

Fee

s and

Tra

nsac

tion

Fees

Ge

nera

lly, tr

ansa

ction

fees

are p

aid by

partic

ipants

.

Plan

fees

may

be pa

id by

your

emplo

yer o

r divi

ded u

p amo

ng al

l par

ticipa

nts.

Un

der c

ertai

n circ

umsta

nces

, ser

vice f

ee di

scou

nts, r

ecor

dkee

ping f

ee w

aiver

s, or

the u

se of

plan

forfe

iture

s may

cove

r or r

educ

e the

fees

state

d belo

w.

Type

of S

ervic

e, Fe

atur

e or B

enef

itTr

ansa

mer

ica C

harg

esBa

sis

Cont

ract

No.

800

926-

0000

0(00

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r dist

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Death

Ben

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$0Pe

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ributi

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Disa

bility

Ben

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$0Pe

r dist

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QDRO

Dist

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on F

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Per d

istrib

ution

Ins

tallm

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$0Pe

r dist

ributi

on

Hard

ship

With

draw

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Per d

istrib

ution

In-

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ce W

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awal

$0Pe

r dist

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Requ

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inimu

m Di

stribu

tions

$0Pe

r dist

ributi

onPl

an F

ees

Parti

cipan

t Cha

rges

1

- 24

$0Pe

r Par

ticipa

nt

25 -

49

$20

Per P

artic

ipant

50

- 2

49$1

5Pe

r Par

ticipa

nt

250

- 49

9$1

3Pe

r Par

ticipa

nt

500

- 99

9999

$11

Per P

artic

ipant

Base

Fee

s

1 -

24$5

00Pe

r Yea

r

25 -

999

999

$0Pe

r Yea

r

Cont

ract

Ass

et C

harg

es: C

ACs a

re ca

lculat

ed ba

sed o

n the

total

asse

ts in

the P

lan an

d the

actua

l amo

unt d

educ

ted fr

om, o

r cre

dited

to, a

partic

ipant’

s acc

ount

is ba

sed o

n the

total

acco

unt b

alanc

e for

the P

lan.

Thes

e cha

rges

may

be us

ed to

subs

idize

costs

for p

lan-re

lated

reco

rdke

eping

, adm

inistr

ation

, pay

ment

to fin

ancia

l adv

isors,

and o

ther

retire

ment

plan s

ervic

es th

at wo

uld ot

herw

ise be

char

ged s

epar

ately.

The a

nnua

l CAC

perce

ntage

is as

sess

ed on

a Mo

nthly

basis

. As o

f July

15, 2

018,

the an

nual

CAC

perce

ntage

was

0.20

% b

ased

on th

e tota

l ass

ets in

the P

lan as

of th

e date

sh

own a

bove

. As

the v

alue o

f the a

ssets

in th

e Plan

chan

ge, th

e CAC

may

decre

ase o

r incre

ase o

n a M

onthl

y bas

is ac

cord

ing to

the r

ate sc

hedu

le in

the C

ontra

ct an

ywhe

re

betw

een 0

.20%

- 1.9

5%. F

or sp

ecific

infor

matio

n, ple

ase c

ontac

t you

r Plan

Adm

inistr

ator.

Surre

nder

Cha

rges

: Dep

endin

g on

the

spec

ific u

nder

writin

g of

the C

ontra

ct, u

pon

total

or p

artia

l disc

ontin

uanc

e of

the C

ontra

ct, a

n as

set-b

ased

surre

nder

/disc

ontin

uanc

e ch

arge

ma

y app

ly for

a lim

ited n

umbe

r of d

epos

it yea

rs. P

lease

conta

ct the

Par

ticipa

nt Ca

ll Cen

ter at

1-80

0-40

1-87

26 fo

r spe

cific

detai

ls.