There is no waiting period. You can enroll in the Plan any time after you receive your first paycheck.

Unless you actively enroll in the Plan or opt-out by changing your contribution rate to 0% within the first 45 calendar days of your employment, MSA will automatically enroll you in the MSA Retirement Savings Plan and withhold 5% of your compensation from your paycheck each pay period. MSA will contribute this amount to your account in the Plan as a pretax contribution. You may also contribute more or less than 5% of your Compensation to the Plan as either pretax, Roth or after-tax contributions. If you are automatically enrolled, your contribution will be automatically increased 1% each year until you are contributing 7%. You can opt-out of this automatic increase feature at any time by calling the Fidelity Retirement Benefits Line at 1-800-354-8079.

If you do not actively enroll, the contributions that are automatically made for you will be invested in one of the Fidelity Freedom^® Funds - Class K with a target retirement date closest to the year you might retire based on your current age, assuming normal retirement age at 65, as determined by 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.

After you receive your first paycheck, log on to Fidelity NetBenefits^® and click on "New User Registration" or call the Fidelity Retirement Benefits Line at 1-800-354-8079 to enroll in the Plan.

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. If you are automatically enrolled, salary deferrals will be initiated 45 days after employment.

Through automatic payroll deduction, you may contribute between 1% and 50% of your eligible contributions. In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. Sign up online by accessing the “Contribution Amount” section on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 1-800-354-8079.

You can request to change your contribution amount virtually any time online, or by calling the Fidelity Retirement Benefits Line at 1-800-354-8079.

The Plan helps your retirement savings grow with Company matching contributions.

The Company will match 100% of each pretax and Roth dollar you contribute on the first 5% of your eligible pay that you defer to your Plan. This translates into a maximum total company match of 5% (if you contribute 5% or more).

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. Through automatic payroll deduction, you may contribute between 1% and 50% of your eligible compensation as designated Roth contributions, up to the annual IRS dollar limits.

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

Roth In-Plan Conversion options are available in the MSA Retirement Savings Plan. This option provides you with the opportunity to convert all, or a portion of your non-Roth assets to Roth assets. The amount eligible for conversion, may include all of a participant’s vested assets, including both eligible contributions and related earnings.

Special tax rules apply to Roth In-Plan Conversion options and are an important consideration in determining whether to do such a conversion. Generally, the taxable amount of a conversion is determined as if the converted assets were distributed to you from the Plan, although the assets will only be transferred to the Roth portion of your account and no amount will actually be paid from the Plan. The taxable amount (determined as if actually distributed to you) is taxable to you in the year of the conversion and should be reported on your income tax return for that year. For more information related to the tax consequence of a conversion, you should consult your tax or financial advisor before undertaking such a conversion. You may contact the Fidelity Retirement Benefits Line at 1-800-354-8079 to process a Roth In-Plan Conversion.

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

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.

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, your contribution limit will be automatically increased to include catch-up 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.

Starting in 2026, 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.

You are always 100% vested in your contributions to the Plan, as well as any earnings on them. You will be 100% vested in the Company's contributions and any earnings after 2 years of employment.

Loans and hardship withdrawals are not permitted in the MSA Retirement Savings Plan.

Withdrawals from the Plan are only permitted after you terminate your employment, retire, reach age 59½, or die. Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. When you leave the Company, 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 until you reach your Required Minimum Distribution (RMD) age. 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. 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. The taxable portion of your withdrawal that is eligible for rollover into an individual retirement account (IRA) or another employer's retirement plan is subject to 20% mandatory federal income tax withholding, unless it is rolled directly over to an IRA or another employer plan. (You may owe more or less when you file your income taxes.) If you are under age 59½, the taxable portion of your withdrawal is also subject to a 10% early withdrawal penalty, unless you qualify for an exception to this rule. The plan document and current tax laws and regulations will govern in case of a discrepancy. Be sure you understand the tax consequences and your plan's rules for distributions before you initiate a distribution. You may want to consult your tax adviser about your situation.

You are permitted to roll over eligible contributions from another 401(k) plan, Roth 401(k) plan, 403(b) plan, Roth 403(b) plan, governmental 457(b) plan or Roth governmental 457(b) plan account or eligible pretax contributions from conduit Individual Retirement Accounts (rollover IRAs) and certain non-conduit individual retirement accounts (traditional IRAs, Simplified Employee Pension plans, and "SIMPLE" IRA distributions made more than two years from the date you first participated in the SIMPLE IRA). 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.

Call the Fidelity Retirement Benefits Line at 1-800-354-8079 for details. You should consult your tax adviser and carefully consider the impact of making a rollover contribution to your employer's plan because it could affect your eligibility for future special tax treatments. You can also roll over eligible after-tax contributions from a 401(a) or 401(k) account.

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

Fidelity^® Personalized Planning & Advice ("The Service")
Fidelity^® Personalized Planning & Advice is a retirement goal based managed account service with a team of portfolio managers who manage the investments in your workplace savings plan account. Based on your unique needs and goals, our team of professionals will create a plan that considers your total financial situation, put the plan into action, and work for you putting in the time, resources, and knowledge needed to keep you on track for retirement.

This includes:

• Regularly monitoring and rebalancing of your account
  
• Strategy refinement that supports you as your financial situation evolves
  
• Quarterly check-ins, which include your progress toward key milestones
  
• Personal planning dashboard that includes progress to retirement and other profile details

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.

The Plan also offers you the ability to rebalance your account on an ongoing basis. You will be able to do this by electing the Automatic Rebalance option. Once you have chosen this option, your account can be automatically rebalanced annually to the desired allocations you set.

Once you enroll, you will receive a welcome communication that provides details about managing your account. You can also learn about exchanges, and more online. You can also obtain more information about other plan features by calling the Fidelity Retirement Benefits Line at 1-800-354-8079 to speak with a representative or use the automated voice response system, virtually 24 hours a day, 7 days a week.