Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

The Plans give you a choice of investment options that allow you the flexibility to build your own strategy to meet your financial needs.

The investment options available in the Plans will not be changing as part of the transition. Your investments as of September 30, 2026 will transfer to the same investments at Fidelity (called a re-registration, or in-kind transfer) and will remain invested in the market during the transition. Changes could occur during the transition period that could result in changes to the asset transfer strategy described here.

For an explanation of your rights to direct investments, any Plan restrictions, and a description of the types of fees and expenses associated with your Plan accounts, refer to the Participant Disclosure Notice. 

The Plans are intended to be participant-directed plans as described in Section 404(c) of ERISA, which means that fiduciaries of the Plans are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary.

Investment options that are not changing

The current investment options listed below will remain in the Plans. Any balances you have invested in these investment options as of September 30, 2026 will transfer to the same funds (referred to as an “in-kind” transfer). Future contributions will also continue to be invested in these funds.

INVESTMENT OPTION	TICKER		INVESTMENT OPTION	TICKER
American Funds American Mutual Fund® Class R-6	RMFGX		American Funds EUPAC Fund Class R-6	RERGX
American Funds Fundamental Investors® Class R-6	RFNGX		BlackRock High Yield Portfolio Fund Institutional Shares	BHYIX
BlackRock Mid-Cap Growth Equity Portfolio Institutional Shares	CMGIX		Dodge & Cox Global Bond Fund Class I	DODLX
Dodge & Cox Income Fund Class I	DODIX		Fidelity® Emerging Markets Fund	FEMKX
Fidelity® Growth Discovery Fund	FDSVX		T. Rowe Price Capital Appreciation Fund	PRWCX
T. Rowe Price Retirement 2015 Fund I Class	TRUBX		T. Rowe Price Retirement 2020 Fund I Class	TRDBX
T. Rowe Price Retirement 2025 Fund I Class	TREHX		T. Rowe Price Retirement 2030 Fund I Class	TRFHX
T. Rowe Price Retirement 2035 Fund I Class	TRFJX		T. Rowe Price Retirement 2040 Fund I Class	TRHDX
T. Rowe Price Retirement 2045 Fund I Class	TRIKX		T. Rowe Price Retirement 2050 Fund I Class	TRJLX
T. Rowe Price Retirement 2055 Fund I Class	TRJMX		T. Rowe Price Retirement 2060 Fund I Class	TRLNX
T. Rowe Price Retirement 2065 Fund I Class	TRMOX		T. Rowe Price Retirement Balanced Fund Class I	TRJWX
T. Rowe Price Small-Cap Value Fund I Class	PRVIX		Vanguard Developed Markets Index Fund Admiral Shares	VTMGX
Vanguard Institutional Index Fund Institutional Shares	VINIX		Vanguard Mid-Cap Index Fund Institutional Shares	VMCIX
Vanguard Small Cap Index Fund Admiral Shares	VSMAX		Vanguard Total Bond Market Index Fund Admiral Shares	VBTLX
Vanguard Treasury Money Market Fund Investor Shares^	VUSXX		Victory Sycamore Established Value Fund Class I	VEVIX

^You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund’s sponsor is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

 

Fidelity BrokerageLink^®

The Plans will also offer Fidelity BrokerageLink^®, which provides you with an opportunity to invest in a broad range of investment options beyond those offered directly through the Plans.

BrokerageLink includes investments beyond those in your plan's lineup. You should compare investments and share classes that are available in your plan's lineup with those available through BrokerageLink, and determine the available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

Self-Directed Brokerage transferring to Fidelity BrokerageLink®

When the market closes at 4:00 p.m. ET on September 10, 2026, self-directed brokerage at Empower will no longer be available. As a result, current account balances and future contributions held in self- directed brokerage will transfer to Fidelity BrokerageLink® on or about September 30, 2026. You will receive separate communication with the details on your brokerage account transfer.

 

Fidelity^® Personalized Planning & Advice

Augusta Health has teamed up with Fidelity to offer a managed account service. It’s a new way to help you get, and stay, on course toward your retirement goals. With Fidelity^® Personalized Planning & Advice, you get active retirement account management. This means that Fidelity’s team of investment professionals invest, monitor, and rebalance your account as needed to adjust to changes in the market, or changes to your situation.

Fidelity^® Personalized Planning & Advice at Work is a service of Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company, and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.

If you are currently invested in the managed account service at Empower

Your investment options and future contribution investment elections at Empower will transfer to Fidelity and be invested according to how the underlying investment options will transfer (as noted above). Your account will no longer be managed by any managed account service. If you would like to continue to have your account professionally managed, you can learn more about and choose to enroll in Fidelity® Personalized Planning & Advice once the transition is complete. This service provides advisory services for a fee, which will be paid from your account.