You are eligible to participate in both the employee contribution and the employer matching contribution and profit sharing contribution features.

You will be automatically enrolled in the Plan at a contribution rate of 6% in the 401(k) Plan, which will be deducted from your paycheck on a pretax basis and invested in one of the State Street Target Retirement Securities Lending Fund Class VI with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of the Plan Sponsor. Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

If you do not want to participate in the Plan, you will have 30 days to decline participation and opt out of the automatic enrollment process before it begins.

Although you will be automatically enrolled in Plan, we encourage you to take an active role in the Plan and to choose a contribution rate and investment options that are appropriate for you.

If you wish to make changes to the automatic enrollment process, you may do so by contacting Fidelity Investments, our 401(k) Savings Plan Service Provider. You can also do this online or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095. You should contact Fidelity if you would like to contribute a percentage to the Plan other than 6%, if you would like to change your investment options, or if you choose to decline participation in the Plan entirely and opt out of the automatic enrollment process.

An additional notice with information regarding this process will be sent to your home prior to you being automatically enrolled in the Plan.

Enroll online at any time, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

Your enrollment as a result of automatic enrollment (unless you opt out) will become effective with the pay following 30 days from when your enrollment notice is mailed. Notice is mailed out when Fidelity receives your new hire information with your first paycheck. Enrollment initiates deduction of your contributions from your pay. If you opt out and then later decide to enroll, deductions will generally begin as soon as administratively possible after we receive your enrollment information.

Through automatic payroll deduction, you may contribute up to 75% of your eligible pay on a pretax or Roth basis, up to the annual IRS dollar limit, $24,500 for 2026. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. This program increases your contributions 1% annually, to help to ensure continued progress toward meeting your future goals. You can opt out of the Annual Increase Program at any time online, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.

You may also contribute up to 10% of your after-tax pay. Combined, your total contribution cannot exceed 85% of your eligible pay. The Internal Revenue Code provides that the combined annual limit for total plan contributions is 100% of your W2 compensation or $72,000 for 2026, whichever is less. Roth 401(k) contributions are also included towards these annual contribution limits. You can request to change your contribution amount with every paycheck.

A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings completely tax free at retirement - as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 401(k) contribution and after you have attained age 59½, become disabled, or die. Through automatic payroll deduction, you may contribute between 1% and 75% of your eligible compensation as designated Roth contributions, up to the annual IRS dollar limits.

If your FICA wages from the prior calendar year with your current employer exceeded $150,000, any age 50 catch-up contributions to the Plan must be made as Roth contributions. If your FICA wages were $150,000 or less, you can designate your catch-up contribution to be pretax or Roth.

For this purpose, FICA wages are those reported on IRS Form W-2 Box 3 for Social Security taxation purposes.

Find more information online within the "Plan & Learn" drop down and "Learn" section of NetBenefits^®.

The Roth In-Plan conversion provision will allow you to convert your eligible assets to a designated Roth account within the plan. Converting to a Roth can be beneficial if you expect your tax rate to increase in the future. Income taxes will not be withheld at the time of conversion, so you should be sure you can make the payment of taxes outside of the plan. You also have the option to have your after-tax contributions automatically convert to your Roth account, before taxable earnings occur in the non-Roth after-tax contribution source.

Vested non-Roth balances are available and could include balances such as your own pretax or after-tax contributions, contributions from Segal, and assets rolled in from a former employer, including earnings. For more information about the Roth In-Plan Conversion option or to set up the automated feature for your after-tax contributions, call Fidelity toll-free at 1-800-835-5095 to speak with a Fidelity representative.

If you have reached age 50 or will reach 50 during the calendar year January 1 – December 31 and are making the maximum plan or IRS contribution, you may make an additional catch-up contribution each pay period. The maximum annual catch-up contribution is $8,000. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

If your FICA wages from the prior calendar year with your current employer exceeded $150,000, any age 50 catch-up contributions to the Plan must be made as Roth contributions. If your FICA wages were $150,000 or less, you can designate your catch-up contribution to be pretax or Roth.

For this purpose, FICA wages are those reported on IRS Form W-2 Box 3 for Social Security taxation purposes.

The SECURE 2.0 Act increases the limit for you if you have attained age 60, 61, 62, or 63 in a given calendar year. The limit for 2026 is $11,250.

You make catch-up contributions through payroll deduction, the same way you make regular contributions.

The Company helps your retirement savings grow by matching your contributions.
The Company will match 50% of each pretax and/or Roth 401k dollar you contribute on the first 6% of pay that you defer to your Plan.

Since the Company contributes the match every pay period only when there is a 401(k) deduction, you can maximize your match by ensuring that all of your 401(k) contributions are made throughout the entire year. The Company may make a year-end contribution to the Plan as a Discretionary Matching Contribution, a Profit Sharing Contribution, or a combination of the two. This year-end contribution depends on profitability of the Company and other business factors. A Discretionary Matching Contribution can be up to 50% of your pretax and/or Roth 401k Contributions up to 6% of eligible salary. You will receive a year-end Discretionary Matching Contribution if you were making pretax and/or Roth 401k contributions during the year and are an active employee at the end of the year. The Discretionary matching Contribution will be invested in the same investment options you selected for your own pretax and/or Roth 401k contributions. There may also be a Profit Sharing Contribution, up to 5% of annual salary, which is available to all active plan members who are employees at end of the year.

You are immediately 100% vested in your own pretax, post-tax or rollover contributions to the Plan.

The vesting schedule below applies to all company matching and profit sharing contributions as well as any earnings on these contributions.
After one year but less than two years of continuous service - 20%,
After two years but less than three years of continuous service - 40%,
After three years but less than four years of continuous service - 60%,
After four years but less than five years of continuous service - 80%,
After five years of continuous service - 100%

To help you meet your investment goals, the Plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. The many investment options available through the Plan include conservative, moderately conservative, and aggressive funds. A complete description of the Plan’s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online.

We encourage you to take an active role in The Segal Group Profit Sharing Plan and choose investment options that best suit your goals, time horizon, and risk tolerance. If you do not select specific investment options in the Plan, your contributions will be invested in the State Street Target Retirement Securities Lending Fund Class VI with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of Segal.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the State Street Target Retirement Securities Lending Fund Class VI. More information about the State Street Target Retirement Securities Lending Fund Class VI options can be found online.

Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

Your Plan offers a fixed annuity. A fixed annuity lets you lock in a guaranteed rate of interest for a specific period — normally between three months and one year. As each “guarantee rate period” comes to a close, the insurance company sets a new interest rate for the upcoming period. Interest rates and time periods vary depending on the annuity contract. Guarantees are subject to the claims-paying ability of the insurance company.

Fidelity’s online planning tools are designed to help you manage your assets as you plan for retirement.

Although your plan account is intended for the future, you may borrow from your account for any reason.

If you fail to repay your loan (based on the original terms of the loan), it will be considered in "default" and treated as a distribution, making it subject to income tax and possibly to a 10% early withdrawal penalty. Learn more about and/or request a loan online, or by calling the Fidelity Retirement Benefits Line at 1-800-835-5095. Be sure you understand the Plan guidelines before you initiate a loan from your plan account.

Withdrawals from the Plan are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have severe financial hardship as defined by your Plan.

When you leave the Company, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $1,000, you can leave contributions and any associated earnings in the Plan. After you leave the Company, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you.

You are permitted to roll over eligible pretax and Roth contributions from another 401(a) plan, 403(b) plan or a governmental 457(b) retirement plan account or eligible pretax contributions from conduit individual retirement accounts (IRAs). A conduit IRA is one that contains only money rolled over from an employer-sponsored retirement plan that has not been mixed with regular IRA contributions. Contact your Human Resources department or visit www.401k.com for details.

Rollover Form with available rollover options is available on www.401k.com on the Plan Information and Documents page. For help beginning the rollover process, visit the "Rollover" tab also available on www.401k.com.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

Learn about loans, exchanges, and more online. In particular, you can access loan modeling tools that illustrate the potential impact of a loan on the long-term growth of your account. You will also find a withdrawal modeling tool, which shows the amount of federal income taxes and early withdrawal penalties you might pay, along with the amount of earnings you could potentially lose by taking a withdrawal. Additional information can be obtained by calling the Fidelity Retirement Benefits Line at 1-800-835-5095.