Fee and Investment Change Notice. Contact Us en español

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1 Fee and Investment Change Notice November 01, 2016 Contact Us en español Dear Plan Participant, Saving for retirement is an important key to a secure future, whether you plan to retire soon or many years from now. By offering Mariner Holdings, LLC 401(k) Plan (the Plan ), Mariner Holdings, LLC ( Plan Sponsor ) is helping you build savings for your retirement. The term "Plan Sponsor" used in this notice refers to the Plan Administrator who has the fiduciary duty to provide these disclosures to you (the Participant ). Your Plan Sponsor directed Schwab Retirement Plan Services, Inc. ( SRPS ) to provide you this enclosed report on its behalf. You previously received a Fee and Investment Notice that gave you many of the details you need regarding the investment choices available and related fees. You are receiving the enclosed notice because your Plan Sponsor is making a change to the investment options available in the Plan and there will be a change to certain Plan information and the fees that may be charged to your account. The enclosed notice outlines the changes and provides some of the information you may need to make an informed investment decision. If you have a retirement account at your current provider, the balance will be automatically transferred to Schwab on 12/01/2016 (Effective Conversion Date). If you wish to make changes to your account prior to the Effective Conversion Date, you will have until 3:00 pm CT on 11/29/2016 (Last Date to Transfer/Rebalance Investment(s)). If you have any questions about your account or need assistance to transfer balances prior to 12/01/2016 please contact your current provider. After that date, to make changes in your account, obtain more information about your investments or find out more about how you can save for retirement, visit or call us at (en español ). We re here Monday through Friday from 7 a.m. to 11 p.m. ET and are happy to help you. If you prefer to contact us in writing, please mail your request to Schwab Retirement Plan Services, Inc., P.O. Box 5050, Richfield, OH, The information at is available free of charge as a paper copy at your request. Sincerely, Catherine Golladay Vice President, Participant Services Your Plan Sponsor is furnishing the enclosed notice to you and intends that this disclosure complies with the requirements under DOL Regulation a-5(c) regarding changes to plan related information. Your Plan s Sponsor is making a change to the investment options available in the Plan, and intends such change to be a qualified change in investment options as that term is defined under the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). Your Plan Sponsor is furnishing you this notice to provide you with the disclosures required under ERISA for such changes. MNR November 2016 Fee and Investment Change Notice 2016 Schwab Retirement Plan Services, Inc. All rights reserved ( ) (10/15)

2 November 2016 Fee and Investment Change Notice < I I N S I D E: n Your Investment Options Managing Your Plan Plan Fees 1

3 Your Plan Sponsor reviews the Designated Investment Alternatives (throughout this report referred to as investment options or just options) offered to you in the Plan in order to provide you with a broad array of choices as you work towards one of the most important investment and savings goals: building your retirement savings. As a result, your Plan Sponsor is making enhancements to your Plan. Please read this important notice so that you re aware of changes in your retirement plan options and new choices to be available soon. Effective 12/01/2016, the following option(s) or model portfolio(s) are being removed from the Plan and the assets will be transferred as noted below: Fund(s) JHancock Lifestyle Aggressive R6 JHancock Lifestyle Balanced R6 JHancock Lifestyle Conservative R6 JHancock Lifestyle Growth R6 JHancock Lifestyle Moderate R6 through 2015 R6 through 2020 R6 through 2025 R6 through 2030 R6 through 2035 R6 through 2040 R6 through 2045 R6 through 2050 R6 How your assets will be transferred Effective 12/01/2016, the following change(s) in available options are being made to the Plan: From To Similar Style & Objective JHancock Lifestyle Aggressive R6 JHancock Lifestyle Balanced R6 Target Funds Based on Age Target Funds Based on Age Yes Yes JHancock Lifestyle Conservative R6 Target Funds Based on Age Yes JHancock Lifestyle Growth R6 Target Funds Based on Age Yes JHancock Lifestyle Moderate R6 Target Funds Based on Age Yes through 2015 R6 Choice In Ret Inv Yes through 2020 R6 Choice 2020 Inv Yes through 2025 R6 Choice 2025 Inv Yes through 2030 R6 Choice 2030 Inv Yes through 2035 R6 Choice 2035 Inv Yes through 2040 R6 Choice 2040 Inv Yes through 2045 R6 Choice 2045 Inv Yes through 2050 R6 Choice 2050 Inv Yes The determination as to whether the option is similar in style and objective was made by the plan sponsor and/or their investment advisor. Your Plan s Sponsor is making a qualified change in investment options available to you in the Plan, which means that your account which is currently invested in the options listed in the From column above, will be reallocated among one or more of the investments that will be made available as described in the To column above unless you make an affirmative election otherwise. Please see the important information below regarding how you may change your investment elections if you do not want your account reallocated to the investments as described above. This notice is also intended to provide the disclosures required under DOL Regulation a- 5(c) regarding changes to plan related information. 2

4 If you prefer not to have your balances transferred to the new option(s), you will have until 3:00 pm CT on 11/29/2016 (Last Date to Transfer/Rebalance Investment(s)) to transfer any existing balances in the options being replaced to other remaining option(s) available in the Plan. If you have any questions about your account or need assistance to transfer balances prior to 12/01/2016, please contact your current provider. Note: Investment elections of newly contributed dollars are handled separately from dollars already invested in the existing options. Balances in the Lifestyle funds will be transferred to a Target Retirement Fund selected for you based upon your birth date in the chart below, as determined by your Plan Sponsor. Each fund is designed to provide different degrees of long-term appreciation and income through a mix of stock, bond and capital preservation investments based on the target retirement date. The investments and associated risk level change over time with the objective of becoming more conservative as time goes by. The models range from more aggressive, for a participant with a longer investment horizon, to more conservative, for those near and in retirement. The more aggressive models will likely have a greater chance of having a short term loss versus the more conservative models. There is no guarantee a fund will accomplish its objective and the investments can lose money. Date of Birth Default Fund Name 1993 and after Choice 2060 Inv Choice 2055 Inv Choice 2050 Inv Choice 2045 Inv Choice 2040 Inv Choice 2035 Inv Choice 2030 Inv Choice 2025 Inv Choice 2020 Inv Prior to 1953 Choice In Ret Inv Undetermined* Choice In Ret Inv * Undetermined is used if SRPS does not know your date of birth when transfers are made. If you prefer not to have your balances transferred to the new option(s), you will have until 3:00 pm CT on 11/29/2016 (Last Date to Transfer/Rebalance Investment(s)) to transfer any existing balances in the options being replaced to other remaining option(s) available in the Plan. If you have any questions about your account or need assistance to transfer balances prior to 12/01/2016, please contact your current provider. Note: Investment elections of newly contributed dollars are handled separately from dollars already invested in the existing options. New investment options being added Effective 12/01/2016, the investment options in the Plan are also being updated to include the below options: New Fund Name Ticker Fund Objective Choice 2020 Inv Choice 2025 Inv Choice 2030 Inv Choice 2035 Inv Choice 2040 Inv Choice 2045 Inv Choice 2050 Inv Choice 2055 Inv Choice 2060 Inv ARBVX ARWIX ARCVX ARYIX ARDVX AROIX ARFVX AREVX ARGVX Target-Date 2020 Target-Date 2025 Target-Date 2030 Target-Date 2035 Target-Date 2040 Target-Date 2045 Target-Date 2050 Target-Date 2055 Target-Date Choice In Ret Inv ARTOX Target-Date Retirement Target date retirement funds were developed for participants who want to contribute and save for retirement, but want to leave the details to professional investment managers. The funds are managed up to and beyond a target date you can choose the fund named for the year closest to when you ll likely retire and that matches your financial strategy. Each fund offers diversification and ready-made asset allocation that becomes more conservative over time. 3

5 Review your new investment options As a Participant in the Plan, you may be able to create your own investment portfolio by choosing one or more of the Plan s investment options. Or, for your convenience, you may be able to choose one of the below model portfolios. The chart below shows each new option s past performance at selected intervals and lists any fees, expenses, and restrictions specific to that product. Keep in mind that an option s past performance doesn t guarantee that it will grow or make money in the future. Most investment products are not insured the way bank accounts are, and they can lose money. Always research all your options carefully before investing. Please visit for a complete list of alternatives in the Plan. Performance Information Investments with Market Risk. The following table focuses on the performance of investment options that do not have a fixed or stated rate of return and entail market risk. This shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Information about an option s principal risks is available at Investment products are not insured by the FDIC; are not a deposit or other obligation of, or guaranteed by Charles Schwab Bank ( Schwab Bank ); and are subject to investment risks, including possible loss of the principal amount invested. INVESTMENTS AVAILABLE TO YOU Name/ (Inception Date)/ Benchmark Choice In Ret Inv (08/31/2004) Mod Incm TR USD Choice 2020 Inv** (05/30/2008) Mod 2020 TR USD Choice 2025 Inv (08/31/2004) Mod 2025 TR USD Choice 2030 Inv** (05/30/2008) PAST PERFORMANCE Average Annual Total Return as of 09/30/ yr 5 yr as a Percent* 10 yr/ Life** TARGET- DATE RETIREMENT per $1000* 8.01% 7.49% 5.29% 0.79% $ % 5.74% 5.20% TARGET DATE % 8.29% 5.00% 0.79% $ % 8.71% 5.09% TARGET DATE % 8.91% 5.59% 0.83% $ % 9.78% 5.97% TARGET DATE % 9.57% 5.11% 0.85% $ EXPENSES Shareholder-type Fees and Restrictions

6 INVESTMENTS AVAILABLE TO YOU Name/ (Inception Date)/ Benchmark Mod 2030 TR USD Choice 2035 Inv (08/31/2004) Mod 2035 TR USD Choice 2040 Inv** (05/30/2008) Mod 2040 TR USD Choice 2045 Inv (08/31/2004) Mod 2045 TR USD Choice 2050 Inv** (05/30/2008) Mod 2050 TR USD Choice 2055 Inv** (03/31/2011) Mod 2055 TR USD Choice 2060 Inv** (09/30/2015) Mod 2060 TR USD PAST PERFORMANCE Average Annual Total Return as of 09/30/ yr 5 yr 10 yr/ Life** 11.75% 10.73% 5.22% as a Percent* TARGET DATE 2035 per $1000* 9.36% 10.30% 5.82% 0.87% $ % 11.30% 6.10% TARGET DATE % 11.01% 5.54% 0.90% $ % 11.47% 5.25% TARGET DATE % 11.56% 6.12% 0.94% $ % 11.40% 6.07% TARGET DATE % 11.81% 5.46% 0.96% $ % 11.28% 5.08% TARGET DATE % 12.04% 8.00% 0.97% $ % 11.14% 6.73% TARGET DATE % N/A 11.10% 0.99% $ % 11.01% 12.99% EXPENSES Shareholder-type Fees and Restrictions Data provided by Morningstar, Inc. at or by fund providers, your Plan Sponsor or their consultant. 5

7 Performance data quoted is past performance and is no indication (or "guarantee") of future results. Current performance may be lower or higher. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. and Shareholder-type fees and Restriction data for each fund are as of the most recently available prior month end. * s are actual expenses (as stated in the fund's prospectus) paid indirectly from your investment in this option each year. They are expressed as a percentage of the value of your investment in the option (expense ratio) and as a value for each $1000 invested in the option. To estimate the annual total dollar impact on your account, multiply the per $1000 by how many $1000 increments you hold in the fund. ** 10yr/ Life - For funds whose Inception Date is less than 10 years ago, the performance shown may be past performance for the period beginning with the inception date of the fund through 09/30/2016 for the fund and its benchmark. Adjusted historical returns are provided for some funds if the share class in the Plan has been available for less than 10 years and there is another, older share class for the same fund. This means that any share class that doesn't have a 1, 5-, or 10-year performance history may report hypothetical returns based on the oldest surviving share class of the fund and it may be based, in part, on the performance of a predecessor or parent fund. Extended performance is an estimate based on the performance of the fund's oldest share class, adjusted for fees but net of any fee or expense limitations or waivers. If the share class shown had been available during any period prior to its inception, performance shown may have been different. Shareholder-type fees are fees paid directly from your investment in this option which may not be reflected in the shown above (such as administrative fees, sales loads, sales charges, deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees, surrender charges, contract maintenance fees, and mortality and expense charges). Fees and expenses are among the many factors to consider when you decide to invest. Investment fees and expenses may fluctuate each year and over time may substantially reduce the growth of your account. You can visit for an example of the long-term effects of the fees and expenses. UNDERSTANDING BENCHMARKS A benchmark is a tool used to compare performance. To help you evaluate the performance of your Plan s investment options, we ve included one or more indices for you to use as benchmarks. An index measures the performance of a group of securities chosen to reflect a certain segment of the finanical market. Many indices have been created to track many different segments of the market. Indices cannot be purchased directly. They are simply measures of market performance. Well-known market indices include the Dow Jones Industrial Average, the S&P 500 and the Nasdaq Composite. SELECTING A MODEL PORTFOLIO You will be free to create your own mix of the options offered by your Plan. Or, for your convenience, you can choose one of the model portfolios designed to provide complementary mixtures of the Plan s options. Please note that the model portfolios below reflect the investment percent in each fund after all changes have been made. To choose one of these portfolios, visit or call The models provide a portfolio selected from the Plan's options or other investments that are not Designated Investment Alternatives under the Plan. The model is an asset allocation model, which divides the investments between stocks, bonds, and capital preservation. There is no guarantee a portfolio will accomplish its objective and the investments can lose money. The underlying options that comprise the model may have expenses for investment management and administration of the options known as the. The underlying alternatives may also impose fees, or have other restrictions, for transfers out of the particular alternative. For more detailed information about the investment objectives, risks, expenses, fees or other restrictions on the underlying options that comprise the model, please see the fund profile available at or refer to the fund information in the chart above. Outlined below is the new mix of investments within each model portfolio that is changing effective 12/01/2016: 6

8 Conservative With Montage Conservative Moderate With Montage Moderate Aggressive With Montage Aggressive Boston Partners Small Cap Value 3% 3% 4% 4% 5% 5% Convergence Core Plus Instl 5% 0% 7% 0% 10% 0% Convergence Market Neutral 2% 0% 2% 0% 2% 0% Cullen High Dividend Equity I 0% 0% 0% 0% 0% 10% Dodge & Cox Income 15% 15% 10% 10% 0% 0% Double Line Shiller Enhanced Cape 0% 6% 0% 7% 0% 8% Fidelity Advisor New Insights 5% 7% 7% 10% 10% 10% Harding Loevner Intl Eq Instl 4% 4% 6% 6% 8% 8% Hotchkis & Wiley High Yield I 5% 5% 4% 4% 0% 0% Metropolitan W Total Return Bd 15% 15% 10% 10% 0% 0% Nuance Concentrated Val Instl 8% 0% 10% 0% 10% 0% Oakmark International I 4% 4% 5% 5% 7% 7% Oppenheimer DevelopingMarket I 3% 3% 4% 4% 5% 5% Palmer Square Absolute ReturnI 2% 0% 2% 0% 2% 0% Palmer Square SSI AlternativeI 3% 0% 3% 0% 3% 0% Principal Diversified Real 5% 10% 5% 10% 4% 10% Stable Value Wells Fargo 8% 8% 6% 6% 5% 5% TORTOISE MLP & PIPELINE INSTL 5% 0% 5% 0% 7% 0% Vanguard 500 Index 5% 10% 7% 14% 18% 20% Vanguard REIT Index Adm 3% 3% 3% 3% 4% 5% William Blair Macro Allocation 0% 7% 0% 7% 0% 7% Total 100% 100% 100% 100% 100% 100% The fund portfolios were created for the Plan by the Plan Sponsor in conjunction with their investment advisor. These entities are independent of Schwab Retirement Plan Services, Inc. SELF-DIRECTED BROKERAGE ACCOUNT (Schwab Personal Choice Retirement Account ) - Will be available effective 12/01/2016 You will have the option of opening a self-directed brokerage account. This kind of feature makes it possible for you to invest some or all of your contributions in investments available through Charles Schwab & Co., Inc. ( CS&Co ) brokerage services. These investments may include individual stocks, bonds and mutual funds according to your Plan Sponsor s election. Even though a Schwab Personal Choice Retirement Account (PCRA) allows for a broader array of investments than you may have available to choose from in your Plan s core fund line-up, not all types of investments are available. PCRA can not include trading on collectibles, currencies, precious metals, real estate, futures, commodities, private placements, options, margin accounts or short sales. There is no minimum balance requirement, however some investments may require a minimum initial purchase amount. If you choose to invest a portion of your account in the selfdirected brokerage option, you are responsible for monitoring and reviewing the investment choices you ve made. You can manage a PCRA account and provide investment instructions at or by calling the number shown below. Applicable trading fees and restrictions will apply, along with other individual fees. You ll find a list of brokerage fees in the CS&Co. Pricing Guide for Retirement Plan Accounts you receive when you open an account and at 7

9 Prior to placing a trade, you can ask a PCRA representative about any fees, including fees not described in this disclosure, associated with the purchase or sale of a particular security by calling the number below. Your plan's trading fees may be subject to special negotiated rates that will be applied at the time of your trade. Please call for any questions related to special negotiated rates. Actual amounts charged to your brokerage account will be listed on your transaction confirmations and periodic brokerage statements you will receive for your PCRA. If you have questions or concerns about your self-directed brokerage account, please call Managing your account After 12/01/2016, to make changes in your account, obtain more information about your investment options or find out more about how you can save for retirement, visit or call us at (en español ). We re here Monday through Friday from 7 a.m. to 11 p.m. ET and are happy to help you. If you prefer to contact us in writing, please mail your request to Schwab Retirement Plan Services, Inc., P.O. Box 5050, Richfield, OH, The information on is available free of charge as a paper copy at your request. SCHWAB RETIREMENT PLANNER Effective 12/01/2016, the discretionary managed account service will be provided by Morningstar Associates, LLC ( Morningstar Associates ), an independent registered investment advisor and designated investment manager for the Plan. A designated investment manager or DIM is a fiduciary that is designated by your Plan Sponsor or other Plan fiduciary and made available to participants and beneficiaries to manage all or a portion of their Plan account. When you select the discretionary management service, the DIM becomes responsible for managing the portion of your account in the service. Schwab Retirement Planner is available via the Plan website or with a Schwab Advice Consultant. You can access Schwab Retirement Planner any time. If a life event occurs this may be a good time to re-evaluate your financial situation by accessing Schwab Retirement Planner. There are direct costs to you for Schwab Retirement Planner. SRPS charges an asset based fee for this service. After the effective date of the change in DIM, SRPS will pay Morningstar Associates, LLC for its provision of investment management services. Risk Reduction To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments may help you achieve a favorable rate of return, while minimizing your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well may cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, your savings may not be properly diversified. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk. Diversification strategies do not assure a profit and do not protect against losses in declining markets. In deciding how to invest your retirement savings, you should take into account all of your assets, including any retirement savings outside of the Plan. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment options under the Plan to help ensure that your retirement savings will meet your retirement goals. Compare your prior investment options The below information is being provided to help you understand some of the differences between your new investment options and the funds being removed from the Plan. The chart below shows each prior option s past performance at selected intervals and lists any fees, expenses, and restrictions specific to that product. These funds will no longer be available effective 12/01/

10 INVESTMENTS AVAILABLE TO YOU Name/ (Inception Date) through 2015 R6** through 2020 R6** through 2025 R6** through 2030 R6** through 2035 R6** through 2040 R6** through 2045 R6** through 2050 R6** (03/01/2012) JHancock Lifestyle Balanced R6** JHancock Lifestyle Conservative R6** PAST PERFORMANCE Average Annual Total Return as of 09/30/ yr 5 yr 10 yr/ Life** as a Percent* TARGET DATE 2015 per $1000* 9.89% 8.94% 7.41% 0.86% $8.60 TARGET DATE % 9.85% 8.05% 0.86% $8.60 TARGET DATE % 10.73% 8.70% 0.85% $8.50 TARGET DATE % 11.35% 9.13% 0.86% $8.60 TARGET DATE % 11.73% 9.42% 0.87% $8.70 TARGET DATE % 11.79% 9.49% 0.87% $8.70 TARGET DATE % 11.79% 9.49% 0.87% $8.70 TARGET DATE % 11.82% 8.38% 0.92% $9.20 MODERATE ALLOCATION 9.56% 9.21% 5.32% 0.94% $9.40 CONSERVATIVE ALLOCATION 7.39% 5.72% 5.12% 0.86% $8.60 EXPENSES Shareholder-type Fees and Restrictions 9

11 INVESTMENTS AVAILABLE TO YOU Name/ (Inception Date) JHancock Lifestyle Moderate R6** JHancock Lifestyle Growth R6** JHancock Lifestyle Aggressive R6** (09/01/2011) PAST PERFORMANCE Average Annual Total Return as of 09/30/ yr 5 yr 10 yr/ Life** as a Percent* per $1000* 8.76% 7.50% 5.34% 0.88% $8.80 AGGRESSIVE ALLOCATION 10.18% 10.92% 5.34% 0.97% $ % 11.91% 5.01% 1.00% $10.00 EXPENSES Shareholder-type Fees and Restrictions Data provided by Morningstar, Inc. at or by fund providers, your Plan Sponsor or their consultant. Performance data quoted is past performance and is no indication (or "guarantee") of future results. Current performance may be lower or higher. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. and Shareholder-type fees and Restriction data for each fund are as of the most recently available prior month end. * s are actual expenses (as stated in the fund's prospectus) paid indirectly from your investment in this option each year. They are expressed as a percentage of the value of your investment in the option (expense ratio) and as a value for each $1000 invested in the option. To estimate the annual total dollar impact on your account, multiply the per $1000 by how many $1000 increments you hold in the fund. ** 10yr/ Life - For funds whose Inception Date is less than 10 years ago, the performance shown may be past performance for the period beginning with the inception date of the fund through 09/30/2016 for the fund and its benchmark. Adjusted historical returns are provided for some funds if the share class in the Plan has been available for less than 10 years and there is another, older share class for the same fund. This means that any share class that doesn't have a 1, 5-, or 10-year performance history may report hypothetical returns based on the oldest surviving share class of the fund and it may be based, in part, on the performance of a predecessor or parent fund. Extended performance is an estimate based on the performance of the fund's oldest share class, adjusted for fees but net of any fee or expense limitations or waivers. If the share class shown had been available during any period prior to its inception, performance shown may have been different. Shareholder-type fees are fees paid directly from your investment in this option which may not be reflected in the shown above (such as administrative fees, sales loads, sales charges, deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees, surrender charges, contract maintenance fees, and mortality and expense charges). Changes to Plan fees and expenses INDIVIDUAL FEES - Individual Fees based on transactions you make are charged at the time of the transaction. The following Individual Fees will change effective 12/01/2016: Description Prior Fee New Fee Distribution Processing Services $50.00 $0.00 Loan Administration Fee $ per new loan $75.00 per new loan Qualified Domestic Relations Order Determination Fee $250 - $ $

12 * A Qualified Domestic Relations Order ( QDRO) is a judgment, decree or order made pursuant to a state s domestic relations or community property law and relating to the provision of child support, alimony or marital property rights to a spouse, former spouse, child or other dependent of a plan participant. Your Plan also offers Schwab Retirement Planner. Effective 12/01/2016 the direct cost to you for Schwab Retirement Planner is 0.50% based on the average daily balance of eligible assets (excluding PCRA, and loan balances). SRPS pays Morningstar Associates, LLC for its provision of investment management services. Note that the Plan Sponsor may at any time choose to cover all or a portion of these costs. Notes and FAQs NOTES ABOUT FUNDS AND ACCOUNTS Plan Administrator PCRA Accounts Morningstar Services Morningstar Investment Data The term "Plan Sponsor" used in this notice refers to the Plan Administrator who has the fiduciary duty to provide these disclosures to you (the Participant). Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc. ( CS&Co. ) (Member SIPC), a registered broker dealer, as part of the Plan, with Plan recordkeeping services provided by Schwab Retirement Plan Services, Inc. Schwab Retirement Planner provides participants with a retirement savings and investment strategy, a major component of which is a discretionary investment management service furnished by Morningstar Associates, LLC ( Morningstar Associates ), an independent registered investment advisor. Morningstar Associates creates discretionary managed portfolios based on human capital methodology using investment alternatives available in the plan. These investment alternatives have been selected by an appropriate plan fiduciary specifically for use in the managed account. Other investment options may be available in the core lineup, that are not included in the managed account. For a complete list of the investments which are available under your plan visit schwab.com/workplace, click on Statements and Reports and view the last annual Fee and Investment Notice and any subsequent Change Notices. Morningstar Associates is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; or their affiliates. Neither CS&Co., SRPS, nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the services provided to participants by Morningstar Associates. Schwab Advice Consultants, who are not employees of of Morningstar Associates, facilitate participant access to the Morningstar Associate services, but do not provide investment advice or recommendations regarding the Morningstar Associate services or generally as part of Schwab Retirement Planner. Use of the term "personalized" in the context of the Schwab Retirement Planner service ("service") refers to the savings and investment recommendations made by Morningstar Associates and personal data that may be provided by you which will form the basis for Morningstar Associates allocation of your account assets in one of the discretionary managed portfolios and will result in a savings recommendation within the plan and outside of the plan. For plans that do not include a salary deferral feature, this fee based service does not include a savings recommendation within the plan; references to savings strategy, savings recommendation, and annual savings adjustments are not applicable to these plans. My Retirement Progress services are also not provided for plans that do not include a salary deferral feature. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. There is no guarantee a participant's savings and investment strategy will provide adequate income at or through their retirement. Fees are charged for Schwab Retirement Planner, including its discretionary investment management service, based on the participant's account balance. Participants should carefully consider information contained in the materials furnished at their employer's direction regarding the services provided by SRPS and its affiliates and Morningstar Associates including information regarding compensation, affiliations and potential conflicts Morningstar, Inc. All rights reserved. Except as noted, data provided by Morningstar, Inc. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of

13 Qualified Change in Investment Alternatives NOTES ABOUT FUNDS AND ACCOUNTS Your Plan s Sponsor has made an array of investment options available in the Plan to help Plan participants meet their various savings and investment goals. As you make your investment choices, keep in mind that there is risk involved. The funds differ in growth potential and risk. Pursuant to Department of Labor Regulation c-1(b)(2)(i)(B)(1), this Retirement Plan is intended to qualify as an ERISA 404(c) Plan that relieves plan fiduciaries of liability for any investment losses that result from investment directions made by Plan participants. Index Provider Information Russell Investment Group is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell is a trademark of Russell Investment Group. Copyright MSCI All Rights Reserved. Without prior written permission of MSCI, this information and any other MSCI intellectual property may only be used for your internal use, may not be reproduced or re-disseminated in any form and may not be used to create any financial instruments or products or any indices. This information is provided on an as is basis, and the user of this information assumes the entire risk of any use made of this information. Neither MSCI nor any third party involved in or related to the computing or compiling of the data makes any express or implied warranties, representations or guarantees concerning the MSCI index-related data, and in no event will MSCI or any third party have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) relating to any use of this information. Unpublished. PROPRIETARY TO MSCI Source BofA Merrill Lynch, used with permission. BOFA MERRILL LYNCH IS LICENSING THE BOFA MERRILL LYNCH INDICES "AS IS," MAKES NO WARRANTIES REGARDING SAME, DOES NOT GUARANTEE THE SUITABILITY, QUALITY, ACCURACY, TIMELINESS, AND/OR COMPLETENESS OF THE BOFA MERRILL LYNCH INDICES OR ANY DATA INCLUDED IN, RELATED TO, OR DERIVED THEREFROM, ASSUMES NO LIABILITY IN CONNNECTION WITH THEIR USE, AND DOES NOT SPONSOR, ENDORSE, OR RECOMMEND CS&Co. and any entity directly or indirectly controlled by, or under common control with CS&Co, OR ANY OF ITS PRODUCTS OR SERVICES. The Dow Jones Averages, Dow Jones U.S. Index and sub-indexes, and the Dow Jones U.S. Select REIT/RESI Indexes are proprietary to, and are calculated, distributed and marketed by, DJI Opco, a subsidiary of S&P Dow Jones Indices LLC, and have been licensed for use. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones Averages, Dow Jones U.S. Index and sub-indexes, and the Dow Jones U.S. Select REIT/RESI Indexes S&P Dow Jones Indices LLC The Dow Jones-UBS Commodity Indexes SM are a joint product of DJI Opco, a subsidiary of S&P Dow Jones Indices LLC, and UBS Securities LLC, and have been licensed for use. Dow Jones and DJ are trademarks of Dow Jones Trademark Holdings LLC; UBS is a registered trademark of UBS AG; and S&P is a registered trademark of Standard & Poor s Financial Services LLC; and these trademarks have been licensed for use. All content of the Dow Jones-UBS Commodity Index S&P Dow Jones Indices LLC & UBS Securities LLC, and/or their affiliates Citigroup index LLC. All rights reserved. FTSE International Limited ( FTSE ) FTSE FTSE is a trade mark of London Stock Exchanged Plc and The Financial Times Limited and is used by FTSE under license. All rights in the FTSE indices and/or FTSE ratings vest in FTSE and/or its Licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and/or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE s express written consent Copyright 2016 Standard & Poor's Financial Services LLC (S&P), a subsidiary of The McGraw-Hill Companies. All rights reserved. FAQs Need help? Here s where to find what you need. BY COMPUTER BY PHONE BY MAIL How can I ask a question about my retirement Plan? How can I get a prospectus? Before 12/01/ After 12/01/2016 workplace.schwab.com Before 12/01/ After 12/01/2016 workplace.schwab.com Participant Services en español Monday through Friday 7 a.m. to 11 p.m. ET Schwab Retirement Plan Services, Inc., P.O. Box 5050, Richfield, OH

14 How can I ask about making a change to my retirement account? How can I get more information about the effects of fees and expenses on my retirement account? Where can I find definitions of terms used in my financial report? BY COMPUTER BY PHONE BY MAIL U.S. Department of Labor Before 12/01/ After 12/01/2016 workplace.schwab.com None of the information above constitutes a recommendation or a solicitation of an offer to buy or sell any securities by SRPS or your Plan Sponsor. The information is not intended to provide tax, legal, or investment advice. SRPS does not guarantee the suitability or potential value of any particular investment or information source. Schwab does not guarantee the accuracy, timeliness, completeness or correct sequencing of the information, or warrant any results from use of the information. You are responsible for determining an investment strategy to meet the needs of your retirement. Charles Schwab is not registered as a broker-dealer in Canada and is relying upon an exemption from the broker-dealer registration requirement to act as a broker-dealer. Therefore, Charles Schwab and its agents are not subject to the full regulatory requirements otherwise applicable under Canadian securities legislation. Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. Trust, custody, and deposit products and services are available through Charles Schwab Bank Schwab Retirement Plan Services, Inc. All rights reserved ( ) (10/15) 13