You will automatically be enrolled in A1 contributions on or about 60 days following the Friday of the week you were hired. Once A1contributions begin, they are irrevocable and required as a condition of employment. You will not be eligible to contribute A2 Employee Matched Contributions or receive the A3 MITRE Matching Contributions until you begin A1 contributions.

If you do not wish to contribute at this time, you must make an affirmative election to opt out of the Plan. You may do this by logging on to NetBenefits^® at www.NetBenefits.com/MITRE, or calling the Fidelity Retirement Benefits Line within the first 60 days of employment. If you opt out of A1 contributions, you will be locked out of participating in all matched program parts for 5 years.

If you have not chosen a Retirement Provider (i.e. Fidelity or TIAA) or made investment elections, your contributions will be directed to Fidelity Investments and invested in a Fidelity Freedom^® Fund, based on your date of birth. 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.

The MITRE Corporation Tax Sheltered Annuity Plan the 403(b) Plan operates with the following structure for contributions from employees and from MITRE:

• Part A1: Employee's Required Contributions. You contribute 2% of your base salary up to the Social Security Wage Base, and 4.7% of your base salary over the Social Security Wage Base.

• Part A2: Employee's Voluntary Matched Contributions. You are eligible to contribute from 1% to 10% of your base salary up to the Social Security Wage Base, and from 1% to 6% of your base salary over the Social Security Wage Base (may be limited by law).

• Part A3: MITRE's Matching Contributions. MITRE matches one-fourth of your Part A2 contributions. These matching contributions begin after you have performed 12 months of credited service. Rehired employees with 12 months of credited service are eligible for Part A3 immediately.

• Part A4: Employee's Voluntary Unmatched Contributions. You may contribute up to IRS limits.

A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings 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 contribution and after you have attained age 59½, or become disabled or die.

Through automatic payroll deduction, you can contribute up to 100% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.

For information about a Roth conversion, please contact Fidelity at 800-343-0860 or TIAA at 800-842-2252 to speak to a service center 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 $7,500. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

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.

You are immediately 100% vested in your own contributions to the Program and any earnings on them and any Part A3 (MITRE's Matching Contributions) contributions made by MITRE.

You are generally allowed to withdraw money from your plan when you leave your employer, retire or become permanently disabled. Also you may be eligible for a distribution if you have a financial hardship as defined by your plan. Withdrawals may be subject to income taxes and, if they occur prior to you becoming age 59½, a 10% early withdrawal tax penalty.

For more information, call the Fidelity Retirement Benefits Line at 1-800-343-0860.

If you have an account with TIAA, you can call 800-842-2252.

If you have retirement savings in another employer's plan or in an IRA, consolidating accounts may help make it easier to manage your savings but there are several options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you're not sure about the best option for you, talk to a Fidelity or TIAA representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.

Fidelity: Call 1-800-343-0860 or log in to your account at www.netbenefits.com.

TIAA: Call 800-842-2252 or log in to your account at www.tiaa.org/public.

Upon enrollment in the plan, your beneficiary is defaulted in accordance with plan provisions (your surviving spouse; if none, to your children per stirpes; if none, to your estate). Your beneficiary will remain as the default unless you elect otherwise. You may, however, change your beneficiary at any time, by calling the Fidelity Retirement Benefits Line at 1-800-343-0860 to request a beneficiary designation form. Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider updating the beneficiary information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family.

TIAA: Call 800-842-2252 or log in to your account at www.tiaa.org/public.

Online, on the phone, or in person, you have access to your account the way you want it. Log in to NetBenefits^® virtually 24/7 or call the Fidelity Retirement Benefits Line at 1-800-343-0860 to speak with a representative or use the automated voice response system.

TIAA: Call 800-842-2252 or log in to your account at www.tiaa.org/public.

Now is a great time to schedule an appointment to discuss your goals for retirement.

For confidential consultations with Fidelity, call 800-343-0860 or go to Contact us > Meet with a professional.

For confidential consultations with TIAA, call 800-732-8353 or go to www.tiaa.org/public/support/contact-tiaa/consultations-seminars.