There is no waiting period. You can enroll in the Plan at any time, as long as you're eligible.

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

Through automatic payroll deductions, you may contribute between 1% and 100% of your eligible compensation as pretax contributions. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Center at 1-800-835-5095.

If you have reached age 50 or will reach 50 during the calendar year (January 1 - December 31), you may make an additional "catch-up" contribution each pay period. The maximum annual catch-up contribution for 2025 is $7,500.

Starting in 2025, 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 2025 is $11,250.

The IRS contribution limit for 2025 is $23,500.

The Plan helps your retirement savings grow by matching your contributions. Bloomin' Brands will match 100% of the first 3% of your contributions plus 50% of the next 2% annually.

In order to be eligible for the match:

• you must be employed in a salaried or hourly with salaried benefits position as of December 31st of the plan year (excluding Puerto Rico residents) and


• you must have made pretax contributions to the Plan that year.

You are immediately 100% vested in your own contributions to the Bloomin’ Brands 401(k) Plan, as well as, going forward, in any of the company's matching contributions, profit sharing contributions, and any earnings on them.

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 OSI Restaurant Partners, LLC Salaried Employees 401(k) and Trust 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 Fidelity Freedom^® Fund - Class K 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 OSI Restaurant Partners, LLC.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the Fidelity Freedom^® Income Fund Class K. More information about the Fidelity Freedom^® Fund - Class K 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.

If the idea of getting professional help to manage your investments appeals to you, your plan offers Target Date Funds. With Target Date Funds, the investment mix of stocks and bonds automatically becomes more conservative as the target retirement date approaches. Principal invested is not guaranteed at any time, including at or after the fund’s target date. Choose the fund that represents your anticipated year of retirement.

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

Learn more about and/or request a loan online, or by calling the Fidelity Retirement Benefits Center at 1-800-835-5095.

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. Tax penalties may apply following a hardship related distribution.

When you leave Bloomin' Brands, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $7,000, you can leave contributions and any associated earnings in the Plan. After you leave Bloomin' Brands, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you. However, if your vested account balance is greater than $1,000 but not more than $7,000, you will be notified that your entire vested account balance will be transferred to an Individual Retirement Account (Rollover IRA), unless you request either a cash distribution or a rollover distribution of your choice.

You are permitted to roll over eligible pretax contributions from another 401(k) plan, 401(a) plan, 403(b) plan or a governmental 457(b) retirement plan account.

Additional information can be obtained online, or by calling the Fidelity Retirement Benefits Center at 1-800-835-5095.

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

Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile” link, then select “Beneficiaries” and follow the online instructions.