DEFERRAL CONTRIBUTION ELECTIONS

Your current pretax or Roth deferral elections will continue throughout the transition. You will not need to re-enroll in the Plan.

If you wish to change your contribution amount in the future, elections will continue to be made through your employer.

VESTING

Vesting in the Plan is not changing. All accounts will continue to be immediately 100% vested.

BENEFICIARY DESIGNATIONS

Beneficiary information currently on file will not transfer to Fidelity.

With Fidelity’s Online Beneficiaries Service, you can designate your beneficiaries, receive instant online confirmation, and check your beneficiary information virtually any time.

Once the transition is complete, log on to NetBenefits to designate your beneficiary online or call Fidelity to request a form to complete and return to Fidelity.

ACCOUNT REBALANCE NOTIFICATION

This optional service allows you to set your preferred account allocation. When your account varies due to market fluctuation by a specified percentage, you will receive a notification so you can choose to rebalance your account to its original allocation with a single click.

LOANS

All outstanding loan balances in the Plan will transfer to Fidelity. The transition will not affect the terms or length of your loan.

ACH banking information is expected to transfer to Fidelity. When the transition is complete, verify your banking information is accurate. The first loan payment at Fidelity will be scheduled for November 28, 2025. If you prefer to make your payment on a different monthly date, you may set your preferred payment date when the transition is complete either on NetBenefits or by calling the Fidelity Retirement Service Center.

ACCOUNT STATEMENTS

Your final account statement from NWPS will be sent in January 2026.

Your first quarterly statement from Fidelity will be available online in January 2026. Compare Fidelity’s statement with your final account statement from NWPS and contact Fidelity with any questions.

Account statements will not be automatically mailed to your home; they will be available on NetBenefits at www.netbenefits.com.

To change your mail preferences and request that statements be mailed to your home address, or log on to NetBenefits, select Profile, then Communications, or call Fidelity at 800-343-0860.