Helping you reach the future you deserve. The Scripps Health 401(a) Retirement Savings Plan Enrollment Guide

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1 Helping you reach the future you deserve The Scripps Health 401(a) Retirement Savings Plan Enrollment Guide

2 Invest some of what you earn today for what you plan to accomplish tomorrow. It is our pleasure to let you know that you are eligible to enroll in the Scripps Health 401(a) Retirement Savings Plan. Your retirement savings plan offers a convenient way to save for retirement. Benefit from: Annual Matching Contributions. The Scripps Health 401(a) Plan helps your savings grow by matching your retirement savings plan contributions annually. Annual Contributions. Scripps Health adds to your retirement savings with a 1% annual contribution. Convenience. You are automatically enrolled in the plan and your contributions are automatically deducted from your paycheck. Investment options. You have the flexibility to select from investment options that range from more conservative to more aggressive, making it easy for you to develop a well-diversified investment portfolio. In addition, your Plan offers you the option of having experienced professionals manage your account for you. Portability. You can roll over eligible savings from a previous employer into this Plan. You can also take your vested account balance with you if you leave Scripps Health. Automatic annual increases. Save a little more each year, the easy way you can elect to use the Automatic Increase program to automatically increase your contribution each year. Online beneficiary. With Fidelity s Online Beneficiaries Service, you can designate your beneficiaries, receive instant online confirmation, and check your beneficiary information virtually any time. To learn more about what your plan offers, see Frequently asked questions about your plan later in this guide. Participate in your plan and invest in yourself today.

3 Frequently asked questions about your plan. Here are answers to questions you may have about the key features, benefits, and rules of your plan. When can I enroll in the Plan? You will be automatically enrolled in the Plan if you are at least 21 years of age and have 6 months of service at Scripps Health. See "When is my enrollment effective?" below. How do I enroll or change my contribution election in the Plan? You will be automatically enrolled in the Plan at a rate of 1% of pay when you become eligible. To enroll after opting out or following rehire, or to increase or decrease your contribution election, simply log on to Fidelity NetBenefits at or call Fidelity Retirement Service Center at to enroll in the Plan. When is my enrollment effective? You will be automatically enrolled in the Scripps Health 401(a) Retirement Savings Plan at a contribution rate of 1% six months after your date of hire, unless you change your contribution rate to 0% 45 days prior to your six month anniversary. If you were rehired and meet the eligibility requirements you will be automatically enrolled at a contribution rate of 1% 30 days from your date of rehire, unless you elect to enroll or opt out prior to this date. You may increase or decrease your contribution rate by contacting Fidelity at How much can I contribute? Eligible employees can contribute up to 60% of their after-tax income up to the annual IRS limit. If you earned less than $120,000 in 2017, you may contribute up to $55,000 in This amount includes employee after-tax contributions, employer match and 1% employer annual contributions. If you earned more than $120,000 in 2017, you may contribute up to 3% of eligible compensation on an after-tax basis in If you have not reached your maximum allowable contribution, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. You can sign up by logging on to Fidelity NetBenefits at and click on "Contribution Amount" or by calling Fidelity Retirement Service Center at Does Scripps Health match my contributions? Yes. As an incentive to participate in the Scripps Health 401(a) Retirement Savings Plan, Scripps Health will match your contributions based on your total years of accumulated service. 0-9 years = 3% match contribution based on a 3% employee contribution years = 4% match contribution based on a 3% employee contribution years = 5% match contribution based on a 3% employee contribution 20 years = 6% match contribution based on a 3% employee contribution To receive your maximum match, you must contribute at least 3% of pay. You must be employed by Scripps Health on December 31 to receive the annual match. You will begin FAQs For more information visit or call

4 FAQs accruing your increased match starting on January 1 of the calendar year following the year in which you attain your milestone anniversary. Does Scripps Health make an additional contribution to my account? Yes. Scripps Health will contribute an amount equal to 1% of your eligible pay on an annual basis as long as you are employed by Scripps Health on December 31. How do I designate my beneficiary? If you have not already selected your beneficiaries, or if you have experienced a lifechanging 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, available through Fidelity NetBenefits, offers a straightforward, convenient process that takes just minutes. Simply log on to NetBenefits at and click Profile from the main menu. If you do not have access to the Internet or prefer to complete your beneficiary information by paper form, please contact Fidelity Retirement Service Center at What are my investment options? 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. Scripps Health regularly reviews the investment options available in the core lineup to ensure that they continue to help you meet your financial goals and investment objectives. 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 at Fidelity NetBenefits. What are the single fund solution options in my plan? If the idea of getting professional helps to manage your investments appeals to you, your plan offers Target Date Funds. With Target Date Funds, the investment mix of stocks and bonds automatically becomes more conservative as the target retirement date approaches. Principal invested is not guaranteed at any time, including at or after the fund s target date. Choose the fund that represents your anticipated year of retirement. What are the managed account options in my plan? Fidelity Portfolio Advisory Service at Work. The Plan also offers Fidelity Portfolio Advisory Service at Work, a managed account service that lets you delegate the day-to-day management of your workplace savings plan account to professional investment managers. Fidelity s experienced professionals evaluate the investment options available in your plan and identify a model portfolio of investments appropriate for an investor like you. The service then invests your account to align with this model portfolio and provides ongoing management of your account to address changes in the markets, your plan s investment lineup, and changes in your personal or financial situation. With a managed account, you can take advantage of Fidelity s resources and experience to help ensure that: Your investments are managed through the ups and downs of the market. You re keeping your accounts aligned with your goals through annual reviews and check-ins. Your account is actively managed to create an opportunity for long-term gains while managing the risk associated with investing. To see if Fidelity Portfolio Advisory Service at Work is right for you, log onto NetBenefits at netbenefits.fidelity.com/pas where you can easily enroll in the Service and learn more. Fidelity Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee. 2

5 Please note that performance of the model portfolios depends on the performance of the underlying investment options. These investments are subject to the volatility of the financial markets in the U.S. and abroad and may be subject to additional risks with investing in high yield, small-cap, and foreign securities. Is there a self-directed brokerage option in my plan? For those desiring the most investment flexibility and choice, the Plan offers a selfdirected brokerage option, which gives you access to many other investment options. You can learn about Fidelity BrokerageLink online through Fidelity NetBenefits at You can also call the Fidelity Retirement Service Center at to speak with a representative. What if I don t make an investment election? We encourage you to take an active role in the Scripps Health 401(a) Retirement Savings 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 JPMorgan SmartRetirement Fund Class R5 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 Scripps Health. Please refer to the chart in the Investment Options section for more detail. If no date of birth or an invalid date of birth is on file at Fidelity your contributions may be invested in the JPMorgan SmartRetirement Income Fund Class R5. For more information about the JPMorgan SmartRetirement Fund Class R5 options, log on to Can I participate in the Scripps Health 401(h) Retiree Health Insurance Savings Account? Yes. As a participant in the Scripps Health 401(a) Retirement Savings Plan, you may elect to enroll in the Scripps Health 401(h) Retiree Health Insurance Savings Account. The 401(h) Account is a way for you to save for the cost of health insurance premiums incurred during retirement. You may elect to place a portion of your employee and employer contributions, not to exceed 25% of your accumulated contributions, into your 401(h) Account. Upon your retirement from Scripps Health, under current interpretation of applicable law, distributions from this account used for reimbursement of health insurance premiums for you, your spouse, or your eligible dependents will be made on a tax-free basis. Certain restrictions apply to this account. Funds accumulated are to be used solely to reimburse health insurance premiums incurred during retirement. Additional information on this program is located following the investment options available. When am I vested? You are always 100% vested in your contributions to the Scripps Health 401(a) Retirement Savings Plan, as well as any earnings thereon. Scripps Health annual matching contribution and 1% annual contribution, and any associated investment earnings, vest according to the following schedule: 1 year of service = 25% 2 years of service = 50% 3 years of service = 100% Can I take a loan from my account? Loans are not available in this Plan. Can I make withdrawals from my account? Yes. Withdrawals from the Plan are generally permitted for the following events: termination of employment, retirement, total FAQs For more information visit or call

6 FAQs and permanent disability, or death. Also, inservice withdrawals are available at any time, for any reason from your employee after-tax account. Additionally, once you have attained age 62, in-service withdrawal of your total vested employee and employer account balance is available at any time, for any reason. What are the tax consequences if I take a withdrawal from my account? 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. Can I move money from another retirement plan into my account with Scripps Health? You are permitted to roll over eligible pretax and after-tax contributions from a previous employer-sponsored retirement plan. Please call Fidelity Retirement Service Center at for more information. You should consult your tax advisor 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 treatment. representative or use the automated voice response system, virtually 24 hours, 7 days a week. Where can I find information about exchanges and other plan features? You can learn about exchanges, and more online through Fidelity NetBenefits at 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. You can also call the Fidelity Retirement Service Center at to speak with a representative or use the automated voice response system, virtually 24 hours, 7 days a week. Where can I access more information about my Plan? You can get more information about your Plan by reviewing the Summary Plan Description, an easy to read version of your plan document. You can view a copy online through Fidelity NetBenefits and select Library from the home page and then Plan Information. In addition, you may request a copy of the Summary Plan Description by calling the Scripps Health HR Service Center at MyHR or ing Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. How do I access my account? You can access your account online through Fidelity NetBenefits at or call the Fidelity Retirement Service Center at to speak with a 4

7 Investment Options Here is a list of investment options for the Scripps Health 401(a) Retirement Savings Plan. For up-to-date performance information and other fund specifics, go to Target Date Funds Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investment options shown in the other risk spectrums. Investment options to the left have potentially more inflation risk and less investment risk JPMorgan SmartRetirement Income Fund Class R5 JPMorgan SmartRetirement 2020 Fund Class R5 JPMorgan SmartRetirement 2025 Fund Class R5 JPMorgan SmartRetirement 2030 Fund Class R5 JPMorgan SmartRetirement 2035 Fund Class R5 Investment options to the right have potentially less inflation risk and more investment risk JPMorgan SmartRetirement 2040 Fund Class R5 JPMorgan SmartRetirement 2045 Fund Class R5 JPMorgan SmartRetirement 2050 Fund Class R5 JPMorgan SmartRetirement 2055 Fund Class R5 Target date investments are generally designed for investors expecting to retire around the year indicated in each investment s name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Investment Options For more information visit or call

8 The chart below lists the assigned fund the Scripps Health 401(a) Retirement Savings Plan believes will best fit your diversification needs should you not select an investment option. Your Birth Date* Fund Name Target Retirement Years Investment Options Before 1954 January 1, December 31, 1958 January 1, December 31, 1963 January 1, December 31, 1968 JPMorgan SmartRetirement Income Fund Class R5 JPMorgan SmartRetirement 2020 Fund Class R5 JPMorgan SmartRetirement 2025 Fund Class R5 JPMorgan SmartRetirement 2030 Fund Class Retired before 2019 Target Years Target Years Target Years R5 January 1, December 31, 1973 JPMorgan SmartRetirement 2035 Fund Class Target Years R5 January 1, December 31, 1978 JPMorgan SmartRetirement 2040 Fund Class Target Years R5 January 1, December 31, 1983 JPMorgan SmartRetirement 2045 Fund Class Target Years R5 January 1, December 31, 1988 JPMorgan SmartRetirement 2050 Fund Class Target Years R5 January 1, 1989 and later* JPMorgan SmartRetirement 2055 Fund Class Target Years 2054 and beyond R5 *Dates selected by Plan Sponsor 6

9 Core Investment Options Investment options to the left have potentially more inflation risk and less investment risk CONSERVATIVE SHORT-TERM INVESTMENT Stable Value Managed Income Portfolio II Class 1 Bond BOND Diversified BlackRock Total Return Fund Class K Shares PIMCO Low Duration Fund Institutional Class STOCKS AND BONDS Balanced/ Hybrid Fidelity Puritan Fund PIMCO All Asset Fund Institutional Class Small Value DFA U.S. Small Cap Value Portfolio Institutional Class Investment options to the right have potentially less inflation risk and more investment risk Domestic Equities Large Blend Fidelity 500 Index Fund - Institutional Class Fidelity Large Cap Stock Fund Oakmark Fund Investor Class Small Blend Fidelity Small Cap Index Fund - Premium Class STOCKS Small Growth AMG TimesSquare Small Cap Growth Fund Class Z AGGRESSIVE International/ Global Diversified Dodge & Cox International Stock Fund Fidelity Diversified International Fund Investment Options For more information visit or call This spectrum, with the exception of the Domestic Equity category, is based on Fidelity s analysis of the characteristics of the general investment categories of the investment options and not on the actual security holdings, which can change frequently. Investment options in the Domestic Equity category are based on the options Morningstar categories as of 01/31/2018. Morningstar categories are based on a fund s style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the investment options objectives and do not predict the investment options future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options can vary significantly within each particular investment category, and the relative risk of categories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment decision. The spectrum does not represent actual or implied performance. 7

10 Investment Options Extended Investment Options Investment options to the left have potentially more inflation risk and less investment risk CONSERVATIVE Investment options to the right have potentially less inflation risk and more investment risk AGGRESSIVE SHORT-TERM INVESTMENT Money Market Government Fidelity Government Money Market Fund This spectrum, with the exception of the Domestic Equity category, is based on Fidelity s analysis of the characteristics of the general investment categories of the investment options and not on the actual security holdings, which can change frequently. Investment options in the Domestic Equity category are based on the options Morningstar categories as of 01/31/2018. Morningstar categories are based on a fund s style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the investment options objectives and do not predict the investment options future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options can vary significantly within each particular investment category, and the relative risk of categories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment decision. The spectrum does not represent actual or implied performance. 8

11 Fidelity BrokerageLink Fidelity BrokerageLink combines the convenience of your workplace retirement plan with the additional flexibility of a brokerage account. It gives you expanded investment choices to manage your retirement contributions. BrokerageLink includes investments beyond those in your plan s lineup. 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. See the fact sheet and commission schedule for applicable fees and risks. Fidelity BrokerageLink For more information visit or call

12 Fidelity BrokerageLink 10

13 Investment Options Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a mutual fund prospectus or, if available, a summary prospectus containing this information. Read it carefully. JPMorgan SmartRetirement 2020 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2020 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2025 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2025 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. Investment Options For more information visit or call

14 Investment Options JPMorgan SmartRetirement 2030 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2030 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2035 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2035 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2040 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2040 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. 12

15 Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2045 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2045 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2050 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2050 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Investment Options For more information visit or call

16 Investment Options Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement 2055 Fund Class R5 VRS Code: Fund Objective: The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors expecting to retire around the year 2055 (target retirement date). It is designed to provide exposure to a variety of asset classes through investments in underlying funds, and over time the fund s asset allocation strategy will change. Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund s name. The funds are managed to gradually become more conservative over time as they approach their target date. The investment risk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to accept the volatility of the markets. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or who does not feel comfortable making asset allocation choices over time. JPMorgan SmartRetirement Income Fund Class R5 VRS Code: Fund Objective: The investment seeks current income and some capital appreciation. Fund Strategy: The fund is a "fund of funds" that invests in other J.P. Morgan Funds (underlying funds), and is generally intended for investors who are retired or about to retire soon. It is designed to provide exposure to a variety of asset classes through investments in underlying funds, with an emphasis on fixed income funds over equity funds and other funds. 14

17 Fund Risk: The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments. Fixed income investments carry issuer default and credit risk, inflation risk, and interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Principal invested is not guaranteed at any time, including at or after retirement. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of diversified investments in the market. Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option and looking primarily for the potential for income and, secondarily, for share-price appreciation. AMG TimesSquare Small Cap Growth Fund Class Z VRS Code: Fund Objective: The investment seeks to achieve long-term capital appreciation. Fund Strategy: The fund will invest at least 80% of its net assets, plus the amount of any borrowings for investment purposes, in equity securities of small-capitalization companies. It typically invests in common and preferred stocks of U.S. smallcapitalization companies. The subadvisor generally considers a company to be a "small-capitalization" company if, at the time of purchase, the market capitalization is below $3 billion or otherwise within the range of capitalizations of companies in the Russell 2000 Index. Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking the potential for long-term share-price appreciation. Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and with smaller companies. The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. BlackRock Total Return Fund Class K Shares VRS Code: Fund Objective: The investment seeks to realize a total return that exceeds that of the Bloomberg Barclays U.S. Aggregate Bond Index. Fund Strategy: The fund typically invests more than 90% of its assets in a diversified portfolio of fixed-income securities such as corporate bonds and notes, mortgage-backed securities, asset-backed securities, convertible securities, preferred securities and government obligations. It normally invests at least 80% of its assets in bonds and invests primarily in investment grade fixed-income securities. The fund is a "feeder" fund that invests all of its assets in a corresponding "master" portfolio. Investment Options For more information visit or call

18 Investment Options Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price. Someone who is seeking to diversify an equity portfolio with a more conservative investment option. The Bloomberg Barclays U.S. Aggregate Bond Index is an unmanaged market value-weighted index for U.S. dollar denominated investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgagebacked securities with maturities of at least one year. As of 08/19/2017, Fidelity was notified this fund changed its name from BlackRock Total Return Fund Class K. See the fund s prospectus for any additional details. DFA U.S. Small Cap Value Portfolio Institutional Class VRS Code: Fund Objective: The investment seeks to achieve long-term capital appreciation. Fund Strategy: The fund normally will invest at least 80% of its net assets in securities of small cap U.S. companies. It may purchase or sell futures contracts and options on futures contracts for U.S. equity securities and indices, to adjust market exposure based on actual or expected cash inflows to or outflows from the Portfolio. Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smaller companies. Dodge & Cox International Stock Fund VRS Code: Fund Objective: The investment seeks long-term growth of principal and income. Fund Strategy: Under normal circumstances, the fund will invest at least 80% of its total assets in equity securities of non-u.s. companies, including common stocks, depositary receipts evidencing ownership of common stocks, preferred stocks, securities convertible into common stocks, and securities that carry the right to buy common stocks. The fund typically invests in medium-to-large well-established companies based on standards of the applicable market. 16

19 Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently. Someone who is willing to accept the higher degree of risk associated with investing overseas. Fidelity 500 Index Fund - Institutional Class VRS Code: Fund Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) performance of common stocks publicly traded in the United States. Fund Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadly represents the performance of common stocks publicly traded in the United States. Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. The S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class expense ratio. Had the Institutional Class expense ratio been reflected, total returns would have been higher. Fidelity Diversified International Fund VRS Code: Fund Objective: Seeks capital growth. Fund Strategy: Normally investing primarily in non-u.s. securities. Normally investing primarily in common stocks. Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently. Someone who is willing to accept the higher degree of risk associated with investing overseas. Investment Options For more information visit or call

20 Investment Options Fidelity Large Cap Stock Fund VRS Code: Fund Objective: Seeks long-term growth of capital. Fund Strategy: Normally investing at least 80% of assets in common stocks of companies with large market capitalizations (companies with market capitalizations similar to companies in the Russell 1000 Index or the S&P 500). Investing in either "growth" stocks or "value" stocks or both. Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. The Russell 1000 Index is an unmanaged market capitalization-weighted index measuring the performance of the 1,000 largest companies in the Russell 3000 Index and is an appropriate index for broad-based large-cap funds. Fidelity Puritan Fund VRS Code: Fund Objective: Seeks income and capital growth consistent with reasonable risk. Fund Strategy: Investing approximately 60% of assets in stocks and other equity securities and the remainder in bonds and other debt securities, including lower-quality debt securities, when its outlook is neutral. Investing at least 25% of total assets in fixed-income senior securities (including debt securities and preferred stock). Engaging in transactions that have a leveraging effect on the fund. Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Fixed income investments entail interest rate risk (as interest rates rise bond prices usually fall), the risk of issuer default, issuer credit risk and inflation risk. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks. Lower-quality bonds can be more volatile and have greater risk of default than higher-quality bonds. Leverage can increase market exposure and magnify investment risk. Someone who is seeking to invest in a fund that invests in both stocks and bonds. Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing to accept the volatility of the bond and stock markets. Fidelity Small Cap Index Fund - Premium Class VRS Code: Fund Objective: The fund seeks to provide investment results that correspond to the total return of stocks of smallcapitalization United States companies. Fund Strategy: Normally investing at least 80% of assets in securities included in the Russell 2000 Index. Lending securities to earn income for the fund. 18

21 Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than those in larger,more well known companies. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. The Russell 2000 Index is an unmanaged market capitalization weighted index measuring the performance of the smallest 2,000 companies in the Russell 3000 index. Managed Income Portfolio II Class 1 VRS Code: Fund Objective: The fund seeks to preserve your principal investment while earning a level of interest income that is consistent with principal preservation. The fund seeks to maintain a stable net asset value (NAV) of $1 per share, but it cannot guarantee that it will be able to do so. The yield of the fund will fluctuate. Fund Strategy: The fund invests in benefit-responsive investment contracts issued by insurance companies and other financial institutions ("Contracts"), fixed income securities, and money market funds. Under the terms of the Contracts, the assets of the fund are invested in fixed income securities (which may include, but are not limited to, U.S. Treasury and agency bonds, corporate bonds, mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities, and collective investment vehicles and shares of investment companies that invest primarily in fixed income securities) and shares of money market funds. The fund may also invest in futures contracts, option contracts, and swap agreements. Fidelity Management Trust Company, as investment manager and trustee of the Fidelity Group Trust for Employee Benefit Plans, has claimed an exemption from registration under the Commodity Exchange Act and is not subject to registration or regulation under the Act. At the time of purchase, all Contracts and securities purchased for the fund must satisfy the credit quality standards specified in the Declaration of Separate Fund Fund Risk: The Contracts and securities purchased for the fund are backed solely by the financial resources of the issuers of such Contracts and securities. An investment in the fund is not insured or guaranteed by the manager(s), the plan sponsor, the trustee, the FDIC, or any other government agency. The Contracts purchased by the fund permit the fund to account for the fixed income securities at book value (principal plus interest accrued to date). Through the use of book value accounting, there is no immediate recognition of investment gains and losses on the fund s securities. Instead, gains and losses are recognized over time by periodically adjusting the interest rate credited to the fund under the Contracts. However, while the fund seeks to preserve your principal investment, it is possible to lose money by investing in this fund. The Contracts provide for the payment of certain withdrawals and exchanges at book value during the terms of the Contracts. In order to maintain the Contract issuers promise to pay such withdrawals and exchanges at book value, the Contracts subject the fund and its participants to certain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, early retirement windows, spin-offs, sale of a division, facility closings, plan terminations, partial plan terminations, changes in laws or regulations) may be paid at the market value of the fund s securities, which may be less than your book value balance. Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/ lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of the Contracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must first exchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by the Contract issuers as a condition for the issuer s promise to pay certain withdrawals and exchanges at book value. Someone who seeks a slightly higher yield over the long term than is offered by money market funds, but who is willing to accept slightly more investment risk. Someone who is interested in balancing an aggressive portfolio with an investment that seeks to provide stability of price. Investment Options For more information visit or call

22 Investment Options The investment option is a stable value fund. It is managed by Fidelity Management Trust Company. This description is only intended to provide a brief overview of the fund. This fund is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans. Only qualified, participant-directed, defined contribution plans may invest in the fund. This investment option is not a mutual fund. Management Fee includes the costs associated with managing the investments in the pool. The management fee does not include the wrap contract fees, which are paid to third party wrap providers and do not result in any additional compensation to Fidelity. The wrap contract fees are not separately stated but are included in the Expense Ratio and do reduce returns. Expense Ratio (Gross) includes management and wrap contract fees. For certain investments, it may also include distribution fees. Please note that the Gross and Net Expense Ratio are the same for this investment. Oakmark Fund Investor Class VRS Code: Fund Objective: The investment seeks long-term capital appreciation. Fund Strategy: The fund invests primarily in a diversified portfolio of common stocks of U.S. companies. It generally invests in the securities of larger capitalization companies. The fund uses a value investment philosophy in selecting equity securities. This investment philosophy is based upon the belief that, over time, a company s stock price converges with the adviser s estimate of its intrinsic or true business value. Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. PIMCO All Asset Fund Institutional Class VRS Code: Fund Objective: The investment seeks maximum real return, consistent with preservation of real capital and prudent investment management. Fund Strategy: The fund is a "fund of funds," which is a term used to describe mutual funds that pursue their investment objective by investing in other funds. It seeks to achieve its investment objective by investing substantially all of its assets in the least expensive class of shares of any actively managed or smart beta funds (including mutual funds or exchange-traded funds) of the Trust, or PIMCO ETF Trust or PIMCO Equity Series, each an affiliated open-end investment company, except other funds of funds. It is non-diversified. Fund Risk: Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking to invest in a fund that invests in both stocks and bonds. Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing to accept the volatility of the bond and stock markets. 20

23 PIMCO Low Duration Fund Institutional Class VRS Code: Fund Objective: The investment seeks maximum total return, consistent with preservation of capital and prudent investment management. Fund Strategy: The fund seeks to achieve its investment objective by investing under normal circumstances at least 65% of its total assets in a diversified portfolio of Fixed Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. "Fixed Income Instruments" include bonds, debt securities and other similar instruments issued by various U.S. and non-u.s. public- or private-sector entities. Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price. Someone who is seeking to diversify an equity portfolio with a more conservative investment option. Fidelity Government Money Market Fund VRS Code: Fund Objective: Seeks as high a level of current income as is consistent with preservation of capital and liquidity. Fund Strategy: The Adviser normally invests at least 99.5% of the fund s total assets in cash, U.S. Government securities and/or repurchase agreements that are collateralized fully (i.e., collateralized by cash or government securities). Certain issuers of U.S. Government securities are sponsored or chartered by Congress but their securities are neither issued nor guaranteed by the U.S. Treasury. Investing in compliance with industry-standard regulatory requirements for money market funds for the quality, maturity, liquidity and diversification of investments. The Adviser stresses maintaining a stable $1.00 share price, liquidity, and income. In addition the Adviser normally invests at least 80% of the fund s assets in U.S. Government securities and repurchase agreements for those securities. Fund Risk: You could lose money by investing in the 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 insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund s sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. The fund will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund s weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. Interest rate increases can cause the price of a money market security to decrease. A decline in the credit quality of an issuer or a provider of credit support or a maturity-shortening structure for a security can cause the price of a money market security to decrease. Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively stable. Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular asset allocation. Investment Options For more information visit or call

24 Annual Increase Program Step up your contributions with the Annual Increase Program. Help boost your contribution amount automatically: The Annual Increase Program allows you to increase your retirement savings plan contributions automatically each year. It s an easy way to help keep yourself on track as you get closer to retirement. ACTION PLAN 22 How does the Annual Increase Program work? Choose the amount and date for your annual increase, and the rest is automatic. Each year on the designated date, your contributions will increase by the amount you elected. How does the Annual Increase Program benefit me? Small increases in your contributions can lead to significant benefits in retirement. When you enroll in the Annual Increase Program, you may help ensure a step up in your retirement plan account contributions each year. This means more opportunity for your savings to grow. It can help you save more but feel less of an impact in your take-home pay. How do I enroll? To make your plan s Annual Increase Program part of your retirement saving strategy, log on to NetBenefits or call your plan s toll-free number to choose the amount and select the date for your annual increase. What amount and date should I choose for my annual increase? Choose an annual increase of 1% or 2% and time it to coincide with your annual review or pay increase. The system follows through by automatically increasing your contribution on your selected date each year. What if I need to make changes or withdraw? You can change or withdraw from the program at any time by calling your plan s toll-free number or by visiting NetBenefits. Additional information about the Annual Increase Program Eligibility requirements. To participate in the program, you must be contributing regularly to your workplace savings plan through payroll deductions. If you stop making regular payroll deductions, your annual increase elections will be maintained on the system until conditions change to allow for the application of your elections. After I sign up, when does the increased contribution go into effect? Your Annual Increase Program elections will take effect as soon as administratively feasible. Therefore, depending on the frequency of your paycheck, it takes a minimum of one to two pay periods for the election to take effect. Program elections. In most circumstances, your increase election will be applied on a pretax basis. If your employer allows after-tax deductions, in limited circumstances your election may be applied on an after-tax basis. Exceptions to program elections. Your Annual Increase Program elections will be applied until you withdraw from the program, subject to the following exceptions: If you are close to or over the maximum percentage or dollar amount that you are allowed to contribute to your retirement plan, none or only some of your increase amount will be applied on your designated increase date. However, if you have made a spillover election to continue contributions on an after-tax basis, your annual increase election may be applied for the remainder of the plan year.

25 If you are suspended from making contributions to your plan due to certain plan rules, your program increase will also be suspended. Depending on plan rules, your election may or may not be reinstated at the end of the suspension period. If your designation as an HCE limits or otherwise restricts you from making additional contributions, your contributions may not be increased even if you have elected to participate in the program. If your deductions are interrupted due to a change in your employment status such as a leave of absence or disability, your program elections will be held on file. It s a good idea to confirm that you are still enrolled in the program when your deductions begin again. For additional information about the Annual Increase Program: with a Fidelity Representative Annual Increase Program For more information visit or call

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27 SummaryofKeyFeatures Retiree401(h)HealthInsuranceSavingsAccount, afeatureofthescrippshealth401(a)retirementsavingsplan TheRetiree401(h)HealthInsuranceSavingsAccount,commonlyreferredtoas the401(h), allowsparticipantstoallocateaportionoftheir401(a)contributionstoaseparateaccountand thenusethesefundstoreimbursethemselvesonataxfreebasisforpostretirementinsurance premiums. ProgramBenefits YourRetiree401(h)HealthInsuranceSavingsAccountprovidesaconvenient,taxadvantaged waytopayforthecostofhealthinsurancepremiumsafteryouretire.thisplanprovidesa numberofbenefitsincluding: Amountsdirectedtothe401(h)accountaccumulateonataxdeferredbasis. Withdrawals from the 401(h) to reimburse yourself for the cost of postretirement health insurance premiums paid by you for coverage for you, your spouse or your dependentsaretaxfree. Once you enroll in the 401(h) feature, a portion of your 401(a) contributions is automaticallydirectedtothisprogram. Whenyouenrollinthe401(h)feature,youchoosethepercentageaswellaswhich 401(a)accountstoallocatetothe401(h):employermatch,employerannual,and/or employeeaftertax. Ifyouchooseto,youcanpersonalizetheinvestmentelectionchoicesforthisfeature. Otherwise,yourcontributionswillbeinvestedintheJPMorganSmartRetirementFund whichmostcloselymatchesthedatethatyouwillattainage65. EligibilityRules Eligibility for the 401(h) Health Insurance Savings Account is the same as the 401(a) RetirementSavingsPlan:attainmentofage21and6monthsofservicewithScrippsHealth. Once you are eligible to participate in the 401(a) Retirement Savings Plan, you are automaticallyeligibleforthe401(h)feature. ContributionLimits InaccordancewithIRSlimits,youmaydirectaportionofyourcurrent401(a)contributionsto your401(h)account.yourcontributionsarelimitedbytheirstoanamountequalto25%of the total accumulated employee and employer contributions made on your behalf to the 401(a)RetirementSavingsPlanstartingonJanuary30,2004oryour eligibilitydateforthe 401(a)plan,whicheverislater.Whilemanyemployeeswillbelimitedtoanannual401(h) allocation of 25% of their current 401(a) contributions, those who have participated in the 401(a)since2004,orsincetheirinitialeligibilitydate,maybeabletodirectmorethan25%of currentannualcontributionstothe401(h)accountwithoutexceedingthe25%accumulated limit. 07/2015

28 VestingSchedule As the 401(h) account is part of the Scripps Health Retirement Savings Plan, the vesting scheduleisthesame.youareimmediately100%vestedinyourownaftertaxcontributions, and the earnings thereon, that you direct to the Retiree 401(h) Health Insurance Savings Account. As illustrated by the schedule below, you will become 100% vested in any matching and annualcontributionsfromscrippsonceyouhavecompletedthreeyearsofservice. VestingScheduleforEmployerContributions YearsofService VestedPercentage Oneyear.25% TwoYears..50% ThreeYears..100% ImportantAdditionalInformation Duetothetaxbenefitsassociatedwiththisprogram,therearesignificantrestrictions: Amounts directed to this program can only be distributed to you from the Plan as reimbursement for postretirement insurance premiums actually paid by you for healthinsurancecoverageforyou,yourspouseorotherdependents.amountsnot distributedtoyouoryourbeneficiariesforthispurposewillbeforfeitedandreturned toscrippshealth. UponyourpreretirementterminationfromScrippsHealth,amountsinvestedinthe 401(h)programwillremainondepositintheplanuntilyourequestdistributionofthe fundsatyourearliestretirementdate. UponyourterminationfromScrippsHealth,theseamountsmaynotberolledoverto aniraortransferredtoanotherretirementplan. Designatedbeneficiariesarelimitedtoyourspouseanddependents. TheRetiree401(h)HealthInsuranceSavingsAccountcanbeabeneficialwayforemployeesto savefortheirpostretirementhealthinsuranceneeds,buttheprogrammaynotberightfor you.carefullyreviewtheprogram sfeaturesandrestrictions,andconsultwithyourattorney orfinancialadvisorbeforeyoudecidetoenroll.formoreinformation,goto call858678myhr. Thisdocumentprovidesonlyasummaryofthefeaturesofthisprogram.Foramorecompleteexplanationofthe featuresofthisprogram,pleaserefertothesummaryplandescriptionorthescrippshealthretirementsavings PlanDocument.Whilethissummaryofkeyfeaturesisintendedtobeaccurate,theRetirementSavingsPlan documentwillgovernintheeventofanydiscrepanciesbetweenthissummaryandtheplandocument. TheinformationcontainedhereinhasbeenprovidedbyScrippsHealthandissolelytheresponsibilityofScripps Health. 07/2015

29 ScrippsHealth Retiree401(h)HealthInsuranceSavingsAccount FrequentlyAskedQuestions Whatisa401(h)Program? Theterm 401(h), liketheterms 401(a), 401(k) and 403(b), referstoaspecificsectionof theinternalrevenuecode(or Code ).CodeSection401(h)allowsparticipantsincertaintypes ofpensionplanstocreateseparateaccountswithinthoseplanstobeusedexclusivelytosavefor postretirementhealthinsurancepremiums. WhenwasthisfeatureaddedtotheScrippsHealthRetirementSavingsPlan? This401(h)featurewasaddedtotheScrippsHealthRetirementSavingsPlan(the Retirement SavingsPlan )effectivejanuary30,2004. WhoiseligibletoenrollintheRetiree401(h)HealthInsuranceSavingsAccount? AllemployeeseligibletoparticipateintheRetirementSavingsPlanareeligibletoenrollinthe Retiree401(h)HealthInsuranceSavingsAccount. HowdoIenroll? Youcanenrollinthe401(h)programbycompletinganEnrollment/Changeform.Thisformis locatedoninsidescripps.orgonthe401(h)pageunderretirement&savings.youcanalsoobtain thisformbycontactingthehrservicecenter.enrollmentstakeeffectassoonas administrativelypossible. HowcanIviewmy401(h)account? AswithyourotherplanaccountsatFidelity,youcanloginatnetbenefits.com/scrippshealth.You canalsocallfidelityat toaccessthisinformationviatelephone. Doparticipantshavetopaytheadministrativefeesassociatedwiththe401(h)program? No.Administrativecostsofthe401(h)plan,ifany,arenotpassedontoparticipants. HowmuchmayIcontributetothisprogram? Youmaydirectaportionofyourcurrentcontributionsupto25%ofyourtotalaccumulated RetirementSavingsPlancontributionssinceJanuary30,2004(oryour401(a)eligibilitydate,if later)intotheretiree401(h)healthinsurancesavingsaccount.thismaymeanthatyoucan allocatemorethan25%ofyourtotalannualcontributionstothe401(a)accountwithout exceeding25%ofyourtotalaccumulatedcontributions.callor thehrservicecenterfor moreinformation. CanImakealumpsumtransferfrommy401(a)accounttomy401(h)account? No.Allallocationstothe401(h)accountmustbemadefromcurrentyear401(a)contributions. Rev.07/2015

30 Rev.07/2015 Whatistheadvantagetosavingforpostretirementhealthinsurancepremiumsthroughthis program? Baseduponcurrentinterpretationofapplicabletaxlaw,fundsinvestedthroughthisprogram maybewithdrawnafterretirementonataxfreebasis.youmustpayincometaxonanyother distributionyoureceiveundertheretirementsavingsplan. CanIallocateemployeeaftertax,employermatchandemployerannualcontributionstothe Retiree401(h)HealthInsuranceSavingsAccount? Yes.Alltypesofcontributionstothe401(a)areeligibleforallocationtothe401(h)account. Note,however,thatthegreatesttaxadvantageisachievedbyallocatingonlyemployer contributionstothe401(h)account.seebelowformoreinformation. Whyisittomyadvantagetouseemployermatchandannualcontributions(ratherthan employeeaftertaxcontributions)tofundthe401(h)account? Fundsaredistributedfromthe401(h)provisionforreimbursementofhealthinsurancepremiums onataxfreebasis.employeecontributionstothe401(a)(and,therefore,the401(h))aremade onanaftertaxbasis(inotherwords,thetaxeshavealreadybeenpaid).directingemployee fundstothe401(h)wouldresultinsavingsonlyonthetaxassociatedwiththeinvestment earnings(normallytaxableondistribution). Employercontributionstothe401(a)(and,therefore,the401(h))arenormallytaxableupon distribution.(inotherwords,theyarenotcontributedonan"aftertax"basis.)directing employerfundstothe401(h)resultsinsavingsonthetaxappliedtobothemployercontributions andtheassociatedinvestmentreturnsbecausenormallytaxablefundsarebeingdistributedona taxfreebasis HowdoIchangethepercentagecontributedtothisprogram? Youcanincrease,decrease,ordiscontinuecontributionstothisprogrambycompletingan Enrollment/ChangeformandsubmittingittotheRetirementdepartment.Thisformislocated oninsidescripps.orgonthe401(h)pageunderretirement&savings.youcanalsoobtainthis formbycontactingthehrservicecenter. HowoftencanIchangethepercentagecontributedtothisprogram? ThepercentageofyourtotalcontributionsdirectedtotheSection401(h)programcanbe changedasoftenasyouwishbysubmittinganenrollment/changeformtotheretirement department.thisformislocatedoninsidescripps.orgonthe401(h)pageunderretirement& Savings.YoucanalsoobtainthisformbycontactingtheHRServiceCenter.Changestakeeffect assoonasadministrativelypossible. Howwillthefundsdirectedtothisprogrambeinvested? Tomeetyourindividualretirementgoals,youareabletomakeinvestmentelectionchoices specifictothisfeature.pleaseloginatnetbenefits.com/scrippshealthorcallfidelityinvestments at toselectyourinvestments.

31 WhatifIdon tmakeaninvestmentelectionforthisfeature? Youareencouragedtotakeanactiveroleinyour401(h)accountandchooseinvestmentoptions thatbestsuityourgoals,timehorizon,andrisktolerance.ifyoudonotselectspecificinvestment optionsforthisfeature,yourcontributionswillbeinvestedinthejpmorgansmartretirement Fundwiththetargetretirementdateclosesttotheyearyoumightretire,basedonyourcurrent ageandassumingaretirementageof65.youmaychangeyourinvestmentelectionsatanytime bylogginginatnetbenefits.com/scrippshealthorcallingfidelityinvestmentsat WhathappensifIstopmakingcontributionstothisprogram? Shouldyouelecttodiscontinuecontributionstothe401(h)program,your401(h)accountwill remainondepositintheretirementsavingsplan. WhencanIaccessthefundsinvestedinthisprogram? Youmayaccessthesefundstoreimburseyourselfforyourpostretirementhealthinsurance premiumsstartingwhenyouretireafterattainingearly(age55with10yearsofservice)or normal(age65)retirementageasdefinedintheretirementsavingsplan.youmayalsoaccess your401(h)fundsifyouretireduetodisabilityinaccordancewiththetermsofthescrippshealth 401(a)RetirementSavingsPlan. HowamIpermittedtousethesefundsonceIretire? FundsinvestedintheRetiree401(h)HealthInsuranceSavingsAccountareavailabletoyouonly toreimburseyourselfforpostretirementinsurancepremiumsthathaveactuallybeenpaidby youforhealthinsurancecoverageforyou,yourspouse,oryourdependents. CanIusethe401(h)accounttoreimburseaportion(ratherthantheentireamount)ofmypost retirementhealthinsurancepremiums? Yes,youmayelecttouseyour401(h)accounttopayforonlyaportionofyourpostretirement healthinsurancepremiums. CanIusethe401(h)accounttoreimbursepostretirementhealthinsurancepremiumsprovided throughmyspouse? Yes.The Plan allows distribution of 401(h) amounts for expenses incurred by your spouse to provideforhealthinsurancecoverageforyou,yourspouse,oryourdependents. CanIusethe401(h)accounttoreimburselongtermcarepremiums? No.Onlypostretirementhealthinsurancepremiumsareavailableforreimbursementunderthis program. Rev.07/2015

32 HowdoIrequestreimbursementofpostretirementhealthinsurancepremiumsfrommy 401(h)account? Youcanrequestreimbursementofpostretirementhealthinsurancepremiumsforyou,your spouse,oryourdependentsbycompletingthedistributionrequestformforthescrippshealth 401(h)RetireeHealthInsuranceSavingsAccountandprovidingdocumentationofthepremiums paid.youcanobtainthisformbycontactingthehrservicecenter. WhatifIleaveScrippsHealthpriortoretirement? FundsinvestedintheRetiree401(h)HealthInsuranceSavingsAccountwillremainaspartofthe ScrippsHealth401(a)RetirementSavingsPlanuntilyouattainretirementageasdefinedbythe Plan.ThesefundsmaynotbetransferredtoanotherretirementplanorrolledovertoanIRA. Once you attain normal retirement age, you may access these funds only to obtain reimbursement for postretirementhealth insurance premiums actually paid by you for health insurancecoverageforyou,yourspouse,andyourdependents. IfyouarenotfullyvestedwhenyouleaveScrippspriortoretirement,youwillforfeitthenon vestedportionofthe401(h)(justasyouwillforfeitthenonvestedportionofthe401(a)).the vestedportionofthe401(h)willremainatscrippsuntilyouretire.onceyouareretired,youcan usethefundsinthe401(h)accounttoreimbursepostretirementhealthinsurancepremiums. IfyouarefullyvestedwhenyouleaveScrippspriortoretirement,your401(h)balancewillremain atscrippsuntilyouretire.onceyouareretired,youcanusethefundsinthe401(h)accountto reimbursepostretirementhealthinsurancepremiums. CanIdesignateabeneficiarytoreceivethesefundsintheeventofmydeath? Yes,youarepermittedtodesignateyourspouseoryourdependentsasbeneficiariesunderthis program. DoIneedmyspouse sconsenttodesignateadependent(otherthanmyspouse)asmyprimary beneficiaryformy401(h)account? No.Thespousalconsentrulesdonotapplyto401(h)accounts. Whoisconsideredadependentunderthisprogram? Theterm"dependent"isdefinedunderInternalRevenueCodeSection152.Generally,tobe qualifiedasadependentofanemployeeunderthecode,anindividualmustbeanunmarried childundertheageof19(orunderage24andafulltimestudent)oranunmarrieddisabled child.duetothecomplexitiesintaxlaw,questionsregardingqualificationofdependentsother thanthoselistedaboveshouldbedirectedtoanattorneyortaxprofessional. Howcanmybeneficiaryusethesefunds? Intheeventofyourdeath,yourbeneficiarymayaccessthesefundsonlytoreimbursehimorher forpremiumsthathaveactuallybeenpaidbythebeneficiaryforhealthinsurancecoveragefor thebeneficiary. Rev.07/2015

33 Whencanmybeneficiaryaccessthesefunds? 401(h) funds are available immediately to reimburse health insurance premiums for your beneficiary.yourbeneficiarydoesnothavetobeofretirementagetoaccessthesefunds. Doesthetaxfreenatureofthe401(h)distribution(forreimbursementofinsurancepremiums) applytomybeneficiary? Yes.Distributionsusedtoreimbursehealthinsurancepremiumsaretaxfreetoyourbeneficiary. Intheeventofmydeath,canmybeneficiarydesignateabeneficiary? Yes,butcertainrestrictionsapply.Yourbeneficiarymayonlydesignateyourspouseoryour dependentasabeneficiary.forexample,ifadeceased401(h)participantdesignatedhisspouse ashisbeneficiary,thespouseisonlyentitledtodesignateadependentofthe401(h)participant ashisorherbeneficiary. DoIhavetodesignatethebeneficiaryofmybeneficiary? No,buttheindividualseligibletobedesignatedasbeneficiariesofthe401(h)accountremainthe same as the original eligible group (i.e. spouse and dependents of the 401(h) participant).in otherwords,ifanemployeehasaspouseandtwodependentsthesearetheonlyindividuals eligibletobecomebeneficiariesunderthisprogram.iftheemployeediesandhisspouseisthe beneficiary, the only beneficiaries that the spouse could elect would be the employee's two dependents. WhathappensifIfailtodesignateabeneficiary? The Plan states that payment will be provided for your spouse and dependents if you die. Accordingly, the 401(h) amounts would be immediately distributable to your surviving spouse and/ordependentsasreimbursementforhealthinsurancecoverage. WhathappensifIdonothaveabeneficiary? Ifyouaresingleandyouhavenodependents,nobeneficiarydesignationisavailabletoyou.If youhavenodesignatedbeneficiariesatthetimeofyourdeath,yourassetsintheretiree401(h) HealthInsuranceSavingsAccountwillbeforfeitedandreturnedtoScrippsHealth. Whathappenstoanyamountssavedunderthisprogram,butnotusedtopaypostretirement healthinsurancepremiums? Fundsinvestedunderthisprogram,butnotusedtopaypostretirementhealthinsurance premiums,willbeforfeited. Howwouldmovingoutofstateaffect401(h)reimbursements? Movingoutofstatewouldnotaffectyour401(h)balanceoryourabilitytoaccessit.Thesame ruleswouldapply.youmustreachtheearliestretirementageundertheplanandcanthenonly usethe401(h)fundsforreimbursementofhealthinsurancepremiums. Rev.07/2015

34 Doage70½minimumdistributionrulesapplyto401(h)balances? Yes.Allqualifiedretirementplansaresubjecttominimumdistributionrules.The401(a)isa qualifiedplanandthe401(h)isafeatureofthisplan. Whataretheminimumdistributionrulesthatapplytothe401(h)balances? Generally,whenaparticipantreachesage701/2andisnolongerworking,heorshemust commencetakingdistributionsfromhisorherretirementplanaccount. Ifaparticipantistakingdistributionsfromhisorher401(h)accounttoreimburseinsurance premiums,thesedistributionswouldlikelysatisfy(orexceed)theminimumrequirement. Ifaparticipant sdistributionsfromthe401(a)accountdonotsatisfytheminimumdistribution requirement,hecantakeagreaterdistributionfrom401(a)fundstoensurethattherequirement ismet. CanItransfermy401(h)accounttooneofmyotheraccountsinthe401(a)plan? No.Oncefundsareallocatedtoyour401(h)account,theymustremaininyour401(h)account untilyoutakedistributionstoreimburseyourselfforthecostofpostretirementhealthinsurance premiumsforyou,yourspouse,oryourdependents. CanItakeadistributionfrommy401(h)accountifIbecomedisabled? Yes.IfyouretireduetodisabilityinaccordancewiththetermsoftheScrippsHealth401(a) RetirementSavingsPlan,youmaytakedistributionsfromyour401(h)accounttoreimburse yourselfforthecostofpostretirementhealthinsurancepremiumsforyou,yourspouse,oryour dependents. Arethereanyotherrestrictions? FundsinvestedundertheSection401(h)programarenoteligibleforhardshipwithdrawalorany other form of early withdrawal, and they may not be rolled over to an IRA or to another employer s qualified retirement plan. Funds in your 401(h) account may only be used to reimburse yourself for postretirement health insurance premiums for you, your spouse, and yourdependents. TheRetiree401(h)HealthInsuranceSavingsAccountcanbeabeneficialwayforemployeesto savefortheirpostretirementhealthinsuranceneeds,buttheprogrammaynotberightfor you.carefullyreviewtheprogram sfeaturesandrestrictionsandconsultwithyourattorneyor financialadvisorbeforeyoudecidetoenroll. This document provides only a summary of the features of this program. For a more complete explanation of the features of this program, please refer to the Scripps Health 401(a) Retirement Savings Plan Summary Plan Description or the Scripps Health Retirement Savings Plan Document. While this summary is intended to be accurate, the Plan document will govern in the event of any discrepancies between this summary and the Plan document. The information contained herein has been provided by Scripps Health and is solely the responsibility of Scripps Health. Rev.07/2015

35 Scripps Health Retiree 401(h) Health Insurance Savings Account Enrollment/Change Form Instructions: Please complete and sign this form to enroll in the Retiree 401(h) Health Insurance Savings Account as part of your participation in the Scripps Health 401(a) Retirement Savings Plan or to change your contribution level in connection with the Retiree 401(h) Health Insurance Savings Account. Important! The designation or revision of a contribution percentage under the Retiree 401(h) Health Insurance Savings Account does not designate or revise the contribution level elected under the Scripps Health Retirement Savings Plan. Please complete this form and return it to the Scripps Health Retirement department: Via Mail at: Via at: Via Fax at: Scripps Health Campus Point Court Attn: Retirement San Diego, CA Attn: Retirement, CP-2 1. PARTICIPANT INFORMATION I am: A New Enrollee An Existing Participant Employee ID Social Security Number - - Date of Birth / / First Name Last Name Street Address Address Line 2 City State Zip Code Daytime Phone ( ) - Address 2. AUTHORIZATION and SIGNATURE By signing below, the Participant is directing the Plan Administrator as follows: 1. Starting as soon as administratively possible, after I submit this Enrollment/Change Form to the Retirement Plan Administrator, please allocate % (whole percentages only) of my Scripps Health Retirement Savings Plan contributions to the Retiree 401(h) Health Insurance Savings Account. If my election is greater than 25%, I request that the Retirement Plan Administrator verify that this election does not cause me to allocate in excess of 25% of my eligible accumulated contributions under the Plan. If at any time my election would cause me to exceed this limit, I authorize the plan administrator to limit my contributions to the allowable percentage. 2. Elect ONE of the following, (a), (b), or (c). If no election is made, (a) will be applied by the Plan Administrator: (a) Allocations on my behalf to the Retiree 401(h) Health Insurance Savings Account shall be taken only from my Employer Matching and Annual Contributions. (b) Allocations on my behalf to the Retiree 401(h) Health Insurance Savings Account shall be taken first from my Employer Matching and Annual Contributions, and then, if necessary, from my Employee After-Tax Contributions.

36 (c) Allocations on my behalf to the Retiree 401(h) Health Insurance Savings Account shall be taken solely from my Employee After-Tax Contributions. Please contact the HR Service Center prior to electing this option. 3. I will contact Fidelity Investments at or at netbenefits.com/scrippshealth to make investment elections to the Retiree 401(h) Health Insurance Savings Account. If I do not make a proactive investment election, I acknowledge that my contributions will be invested in the JPMorgan SmartRetirement target date fund with the date most closely correlating to the year I attain age Apply my elections in this Enrollment/Change Form until I make new elections by completing and submitting a new Enrollment/Change Form to the Plan Administrator. 5. I certify that I have received the Retiree 401(h) Health Insurance Savings Account Summary of Key Features, which explains the Retiree 401(h) Health Insurance Savings Account under the Scripps Health Retirement Savings Plan. 6. I certify under penalties of perjury that my Social Security number indicated in Section 1 is correct. The Participant hereby authorizes the elections set forth in this Enrollment/Change Form, and directs the Plan Administrator to implement these elections as soon as administratively possible after receipt of this Enrollment/Change Form. Participant Signature: Date: / / Rev. 01/29/2015

37 Scripps Health Retiree 401(h) Health Insurance Savings Account Beneficiary Designation Form Instructions to Participant: Please complete and sign this form if (a) you are enrolling in the Retiree 401(h) Health Insurance Savings Account as part of your participation in the Scripps Health 401(a) Retirement Savings Plan; or (b) you already are enrolled in the Retiree 401(h) Health Insurance Savings Account and you wish to change your beneficiary designation under that program. Important! Designated beneficiaries under this program are limited to your spouse and your dependents. Please note that if you are single and you have no dependents, no beneficiary designation is available to you. If you have no designated beneficiaries at the time of your death, your assets in the Retiree 401(h) Health Insurance Savings Account will be forfeited and returned to Scripps Health. Please note that the designation or revision of a beneficiary under the Retiree 401(h) Health Insurance Savings Account does not designate or revise the beneficiary listed under the Scripps Health 401(a) Retirement Savings Plan. Please complete this form and return it to the Scripps Health Retirement department: Via Mail at: Via at: Via Fax at: Scripps Health Campus Point Court Attn: Retirement San Diego, CA Attn: Retirement, CP-2 1. PARTICIPANT INFORMATION Social Security Number - - Employee ID Date of Birth / / First Name Last Name Street Address Address Line 2 City State Zip Code Daytime Phone ( ) - Evening Phone ( ) - I am: Single Married 2. DESIGNATE YOUR BENEFICIARY Please note: For the Retiree 401(h) Health Insurance Savings Account, your choice of beneficiaries is limited to your spouse or dependent. Under the law, your beneficiary is permitted to use the funds in this account only to reimburse postretirement health insurance premiums. When designating beneficiaries, please use whole percentages and be sure that the percentages for each group of beneficiaries (primary and contingent) total 100%. Your primary beneficiary cannot be your contingent beneficiary. 291/ /1754/

38 Primary Beneficiary (ies) I hereby designate the person(s) named below as primary beneficiary (ies) to receive payment of the value of my account(s) under the plan upon my death. Unless otherwise specified, if more than one person is named and no percentages are indicated, payment will be made in equal shares to my primary beneficiary (ies) who survive(s) me. If a percentage is indicated and a primary beneficiary (ies) do (es) not survive me, the percentage of that beneficiary s designated share shall be divided equally among the surviving primary beneficiary (ies). If you have more than two primary beneficiaries, please attach the Additional Beneficiaries form. 1. Individual Name: Percentage: Date of Birth: / / Relationship to Applicant: Spouse Dependent 2. Individual Name: Percentage: Date of Birth: / / Relationship to Applicant: Spouse Dependent Contingent Beneficiary (ies) If there is no primary beneficiary (ies) living at the time of my death, I hereby specify that the value of my account(s) is to be distributed to my contingent beneficiary (ies) listed below. Unless otherwise specified, if more than one person is named and no percentages are indicated, payment to contingent beneficiaries (if any) will be made in equal shares. If a percentage is indicated and a contingent beneficiary (ies) do (es) not survive me, the percentage of that beneficiary s designated share shall be divided equally among the surviving contingent beneficiary (ies). If you have more than two contingent beneficiaries, please attach the Additional Beneficiaries form. 1. Individual Name: Percentage: Date of Birth: / / Relationship to Applicant: Spouse Dependent 2. Individual Name: Percentage: Date of Birth: / / Relationship to Applicant: Spouse Dependent 3. AUTHORIZATION AND SIGNATURE I certify under penalties of perjury that my Social Security number in Section 1 on this form is correct. I am aware that the beneficiary information included in this form (and the Additional Beneficiaries form, if applicable) becomes effective when delivered to the Retirement Plan Administrator and will remain in effect until I deliver another completed and signed Beneficiary Form to the Retirement Plan Administrator at a later date. I understand that assets not used to reimburse post-retirement health insurance premiums will be forfeited and returned to Scripps Health. I am aware that the beneficiary information provided herein (and on the Additional Beneficiaries form, if applicable) shall apply only to my account(s) under the Retiree 401(h) Health Insurance Savings Account (a part of the Scripps Health 401(a) Retirement Saving Plan) and shall replace all previous designation(s) I have made for my account under the Retiree 401(h) Health Insurance Savings Account. Participant Signature: Date: / / 291/ /1754/

39 I This information is intended to be educational and is not tailored to the investment needs of any specific investor. Fidelity Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee. This document provides only a summary of the main features of the Scripps Health 401(a) Retirement Savings Plan and the Plan Document will govern in the event of discrepancies. The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the Plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary FMR LLC. All rights reserved.

40 Fidelity Investments P.O. Box Albuquerque, NM Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI NVCP59975COV00 4.NVCP

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