You may enroll in the Plan upon completion of 90 days of service and are age 21.

Once you enroll in the Plan, if you do not provide valid investment instructions, you will be invested in the American Funds Target Date Retirement Fund^® Class R-6, with a corresponding target retirement date closest to the year you reach age 65. 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.

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. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

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

Your enrollment becomes effective once you elect a deferral percentage, which initiates deduction of your contributions from your pay. These salary deductions will generally begin with your next pay period after we receive your enrollment information, or as soon as administratively possible.

Through automatic payroll deductions, you may contribute between 1% and 75% of your eligible compensation as pretax and Roth contributions. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

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, or become disabled or die.

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

The IRS contribution limit for 2026 is $24,500.

The Plan helps your retirement savings grow by matching your contributions.

FULLBEAUTY Brands, Inc will match 50% of each pretax dollar you contribute on the first 4% of pay that you defer to your plan.

All pretax contributions (matching and nonmatching) and associated earnings are subject to taxes upon withdrawal.

Long-term, part-time employees are not eligible to receive any matching contributions.

You are always 100% vested in your contributions to the FULLBEAUTY Plan, as well as any earnings on them. Please consult with Corporate Benefits or refer to the Summary Plan Description for the FULLBEAUTY Brands, Inc. matching contribution vesting schedule.

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 FULLBEAUTY 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 American Funds Target Date Retirement Fund^® Class R-6 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 FULLBEAUTY Brands, Inc.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the American Funds 2010 Target Date Retirement Income Fund^® Class R-6. More information about the American Funds Target Date Retirement Fund^® Class R-6 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.

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 Line at 800-835-5095.

Withdrawals from the Plan are generally permitted when you terminate your employment, retire, as defined by your plan.

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

You are permitted to roll over eligible pretax, after-tax and Roth contributions from another 401(k) plan, 401(a) plan, or a 403(b) plan account or eligible pretax contributions from another 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.

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

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

If you have not already selected your beneficiaries, or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your beneficiary designations. Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile & Settings” icon in the upper right-hand corner, then select “Beneficiaries” and follow the online instructions.

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 800-835-5095.