November Re: Changes in the Baylor College of Medicine Retirement Plans. Dear Baylor College of Medicine Retirement Plan Participant:

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1 November 2017 Re: Changes in the Baylor College of Medicine Retirement Plans Dear Baylor College of Medicine Retirement Plan Participant: Baylor College of Medicine is committed to providing employees with the opportunity to save for their future retirement through the Baylor College of Medicine Retirement Plans. To help you meet your retirement goals, the BCM Benefits Administrative Committee regularly reviews and sometimes makes changes to the Plans. As a result of a recent review, effective Jan. 2, 2018, Baylor College of Medicine has elected to make changes to the Plans. Investment Line-Up Changes On Jan. 2, 2018, the State Street Target Retirement Funds Class K will replace the Fidelity Freedom Funds Class K. Each State Street Target Retirement Fund Class K seeks to achieve its objective by investing in a set of underlying State Street funds representing various asset classes. Each Fund (other than the State Street Target Retirement Fund Class K) is managed to a specific retirement year (target date) included in its name. The State Street Target Retirement Funds seek an investment return that approximates, as closely as practicable, before expenses, the performance of a custom benchmark index over the long term. The State Street Retirement Date Funds Class K will also replace the Fidelity Freedom Funds Class K as the Plan Designated default investment option for Baylor College of Medicine. Please see the Qualified Default Investment Alternative Notice for additional information. In addition, three investment options will move to lower-cost share classes. Expense Changes Currently, a portion of the Plan s administrative fees are paid through offsets attributable to the Fidelity Freedom Funds Class K and certain other actively managed funds in the Plans investment lineup. Consequently, a separate administrative fee was not charged to participants. Due to the replacement of the Fidelity Freedom Funds Class K with the lower-cost State Street funds, and no offsets attributable to these funds, effective Jan. 2, 2018, an administrative fee of $8.50 per quarter per Plan ($34 per year, per Plan) will be charged to each participant with a balance in each Plan with Fidelity. The initial $8.50 fee will appear on the April 2018 statement. This fee is subject to change.

2 Baylor College of Medicine Financial Wellness Week Workshops Join us for Financial Wellness Week to increase your investment awareness and understand your new investment options. From November 13-15, our Human Resources-Benefits Office will host FREE workshops presented by Fidelity. Representatives will be available to answer any questions you may have about the Plans and the upcoming changes. The workshops offered at the Cullen Auditorium will be available for livestream viewing through Zoom for those who are unable to attend. Earn a maximum of 100 BCM BeWell Vitality points for attending one Fidelity Workshop in-person. For more information, please contact ask-retirement@bcm.edu or call MONDAY, NOV. 13 Time Location Room Noon 1 p.m. Main Baylor Cullen Auditorium 9 10 a.m. McNair Campus Conference Room C 2:30 3:30 p.m. TUESDAY, NOV a.m. Main Baylor Cullen Auditorium Noon 1 p.m. O Quinn Conference Room :30 3:30 p.m. Medical Tower WEDNESDAY, NOV a.m. CNRC Howland Auditorium Noon 1 p.m. 2:30 3:30 p.m. Main Baylor Cullen Auditorium Schedule a free one-on-one appointment Earn a maximum of 200 BCM BeWell Vitality points annually for meeting one-on-one with a Retirement Planner. Fidelity Retirement Planners will be at these locations on the following dates for one-on-one appointments during Financial Wellness Week. Please consider bringing relevant account statements and any paperwork to help address your questions and needs. To schedule an appointment with a Retirement Planner, please call or go to getguidance.fidelity.com/bcm. MONDAY, NOV. 13 Time Location Room 9 a.m. 5 p.m. O Quinn 1875 Medical Tower TUESDAY, NOV. 14 Time Location Room 9 a.m. 5 p.m. Main Baylor Cullen Building, 363A WEDNESDAY, NOV. 15 Time Location Room 9 a.m. 5 p.m. Jamail E1-115-CR Appointments are required. Unfortunately, walk-ins cannot be accommodated.

3 Participant Fee Due to the replacement of the Fidelity Freedom Funds Class K with the lower-cost State Street funds and no offsets attributable to these funds, effective Jan. 2, 2018, an administrative fee of $8.50 per quarter per Plan ($34 per year, per Plan) will be charged to each participant with a balance in each Plan with Fidelity. The quarterly participant fee of $8.50 pays for a portion of the plan administration costs. This fee will be deducted from your plan account on the last business day of each quarter and will appear on your quarterly statement under fees. Plan administrative expenses may include legal, accounting, trustee, recordkeeping, and other administrative fees and expenses associated with maintaining the Plan. The $8.50 fee is a flat amount and is applied only once per quarter per plan regardless of the number of funds in which you are invested. This fee is subject to change. Example Fidelity Freedom 2020 Fund Class K State Street Target Retirement 2020 Fund Class K Amount Invested $40,000 $40,000 Expense Ratio 0.54% 0.13% Annual Fund Expense $216 $52 Administrative Fee $0 $34 Total Annual Expense $216 $86 For simplicity, this example assumes the $40,000 balance is your only investment in the Plan and the balance does not change. New Investment Options Beginning Jan. 2, 2018, the following investment options will be added to the investment lineup. State Street Target Retirement Fund Class K State Street Target Retirement 2015 Fund Class K State Street Target Retirement 2020 Fund Class K State Street Target Retirement 2025 Fund Class K State Street Target Retirement 2030 Fund Class K State Street Target Retirement 2035 Fund Class K State Street Target Retirement 2040 Fund Class K State Street Target Retirement 2045 Fund Class K State Street Target Retirement 2050 Fund Class K State Street Target Retirement 2055 Fund Class K State Street Target Retirement 2060 Fund Class K

4 Investment Options Being Removed When the market closes (generally 3 p.m. Central time) on Jan. 2, 2018, the Fidelity Freedom Funds Class K offered through the Plans will no longer be As a result, all existing balances and future contributions will be transferred to the State Street Target Retirement Funds Class K. See the following chart for details. The transfer of balances will appear as an exchange on your account history and quarterly statement. Old Investment Options Fidelity Freedom Income Fund - Class K Ticker Symbol: FNSHX Gross Expense Ratio: 0.42% Net Expense Ratio: 0.42% Fidelity Freedom 2005 Fund - Class K Ticker Symbol: FSNJX Gross Expense Ratio: 0.44% Net Expense Ratio: 0.44% Fidelity Freedom 2010 Fund - Class K Ticker Symbol: FSNKX Gross Expense Ratio: 0.47% Net Expense Ratio: 0.47% Fidelity Freedom 2015 Fund - Class K Ticker Symbol: FSNLX Gross Expense Ratio: 0.50% Net Expense Ratio: 0.50% Fidelity Freedom 2020 Fund - Class K Ticker Symbol: FSNOX Gross Expense Ratio: 0.54% Net Expense Ratio: 0.54% Fidelity Freedom 2025 Fund - Class K Ticker Symbol: FSNPX Gross Expense Ratio: 0.57% Net Expense Ratio: 0.57% Fidelity Freedom 2030 Fund - Class K Ticker Symbol: FSNQX Gross Expense Ratio: 0.61% Net Expense Ratio: 0.61% Fidelity Freedom 2035 Fund - Class K Ticker Symbol: FSNUX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% Fidelity Freedom 2040 Fund - Class K Ticker Symbol: FSNVX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% New Investment Options State Street Target Retirement Fund Class K Ticker Symbol: SSFOX Gross Expense Ratio: 0.81% State Street Target Retirement 2015 Fund Class K Ticker Symbol: SSBHX Gross Expense Ratio: 0.74% State Street Target Retirement 2020 Fund Class K Ticker Symbol: SSBOX Gross Expense Ratio: 0.35% State Street Target Retirement 2025 Fund Class K Ticker Symbol: SSBSX Gross Expense Ratio: 0.37% State Street Target Retirement 2030 Fund Class K Ticker Symbol: SSBYX Gross Expense Ratio: 0.33% State Street Target Retirement 2035 Fund Class K Ticker Symbol: SSCKX Gross Expense Ratio: 0.39% State Street Target Retirement 2040 Fund Class K Ticker Symbol: SSCQX Gross Expense Ratio: 0.38%

5 Fidelity Freedom 2045 Fund - Class K Ticker Symbol: FSNZX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% Fidelity Freedom 2050 Fund - Class K Ticker Symbol: FNSBX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% Fidelity Freedom 2055 Fund - Class K Ticker Symbol: FNSDX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% Fidelity Freedom 2060 Fund - Class K Ticker Symbol: FNSFX Gross Expense Ratio: 0.64% Net Expense Ratio: 0.64% Expense ratio information as of September 30, 2017 State Street Target Retirement 2045 Fund Class K Ticker Symbol: SSDEX Gross Expense Ratio: 0.63% *Net Expense Ratio: 013% State Street Target Retirement 2050 Fund Class K Ticker Symbol: SSDLX Gross Expense Ratio: 0.96% State Street Target Retirement 2055 Fund Class K Ticker Symbol: SSDQX Gross Expense Ratio: 2.15% *Net Expense Ratio: 013% State Street Target Retirement 2060 Fund Class K Ticker Symbol: SSDYX Gross Expense Ratio: 11.42% The dates shown are based on the timing and accuracy of a variety of factors, including the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the dates and timing, including the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. *Voluntary Expense Cap: Expense Cap is a limit that the fund company has placed on the level of the expenses borne by the fund. The cap is voluntary and indicates the maximum level of expenses (with certain exceptions) that the fund would be paying at that time. The Expense Cap may be terminated or revised at any time, which may lower the fund s yield and return. The net expense ratio is voluntarily capped by State Street at 0.13% until April 18, The gross expense ratio would be the expense ratio if it was not capped. What Do I Need to Do? If you are satisfied with how your current investment elections will be modified, as shown, no action is required on your part. However, if you do not want these investment option changes to take place, you must contact Fidelity and elect another Plan investment choice. Log on to Fidelity NetBenefits at or call , Monday through Friday, between 7:30 a.m. and 11 p.m. Central time.

6 Share Class Changes When the market closes (generally 3 p.m. Central time) on Jan. 2, 2018, the share class of three investment options offered through the Plans will change. As a result, the fund codes, ticker symbol, and expense ratios will change. The new share classes will offer you the same investment strategy and risk, but the overall expenses will be lower. See the following chart for details. The transfer of balances will appear as an exchange on your account history and quarterly statement. Old Share Class Fidelity 500 Index Fund Institutional Class Ticker Symbol: FXSIX Expense Ratio: 0.03% Fidelity Extended Market Index Fund - Investor Class Ticker Symbol: FSEMX Expense Ratio: 0.10% Fidelity International Index Fund - Investor Class Ticker Symbol: FSIIX Expense Ratio: 0.16% Expense ratio information as of September 14, 2017 New Share Class Fidelity 500 Index Fund - Institutional Premium Class Ticker Symbol: FXAIX Expense Ratio: 0.015% Fidelity Extended Market Index Fund - Premium Class Ticker Symbol: FSEVX Expense Ratio: 0.07% Fidelity International Index Fund - Institutional Class Ticker Symbol: FSPNX Expense Ratio: 0.05% What Do I Need to Do? If you are satisfied with how your current investment elections will be modified, as shown, no action is required on your part. However, if you do not want these investment option changes to take place, you must contact Fidelity and elect another Plan investment choice. Log on to Fidelity NetBenefits at or call , Monday through Friday, between 7:30 a.m. and 11 p.m. Central time.

7 Investment Option Descriptions Before investing in any fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Fidelity 500 Index Fund - Institutional Premium Class Fund code: 2328 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. 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. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. 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 Premium Class' expense ratio been reflected, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class Fund code: 1521 Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to smallcapitalization United States companies. Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion Total Stock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies. 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. The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues with readily available prices, excluding components of the S&P 500. Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class' expense ratio. Had the Premium Class' expense ratio been reflected, total returns would have been higher. Fidelity International Index Fund - Institutional Class Fund code: 2362 Objective: Seeks to provide investment results that correspond to the total return of foreign stock markets. Strategy: Normally investing at least 80% of assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index, which represents the performance of foreign stock markets.

8 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. The MSCI Europe, Australasia and Far East Index is an unmanaged market capitalization-weighted index designed to represent the performance of developed stock markets outside the United States and Canada. Returns prior to September 8, 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. State Street Target Retirement 2015 Fund Class K Fund code: OVRM 2015 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors who have retired or are expecting to retire around the year 2015 and likely to stop making new investments in the fund around that time. State Street Target Retirement 2020 Fund Class K Fund code: OVRN Strategy: The fund is a "fund of funds" that invests in a combination of mutual funds and ETFs sponsored by the Adviser or its affiliates (the "underlying funds"). The underlying funds may invest in a wide variety of asset classes, including equity and fixed-income securities of issuers anywhere in the world, including emerging markets investments, and including, among others, high yield, commodity, and real estate investments.

9 State Street Target Retirement 2025 Fund Class K Fund code: OVRO 2025 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2025 and likely to stop making new investments in State Street Target Retirement 2030 Fund Class K Fund code: OVRP 2030 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2030 and likely to stop making new investments in State Street Target Retirement 2035 Fund Class K Fund code: OVRQ 2035 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2035 and likely to stop making new investments in

10 State Street Target Retirement 2040 Fund Class K Fund code: OVRR 2040 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2040 and likely to stop making new investments in State Street Target Retirement 2045 Fund Class K Fund code: OVRS 2045 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2045 and likely to stop making new investments in State Street Target Retirement 2050 Fund Class K Fund code: OVRT 2050 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a

11 intended for investors expecting to retire around the year 2050 and likely to stop making new investments in State Street Target Retirement 2055 Fund Class K Fund code: OVRU 2055 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2055 and likely to stop making new investments in State Street Target Retirement 2060 Fund Class K Fund code: OVRV 2060 Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a intended for investors expecting to retire around the year 2060 and likely to stop making new investments in

12 State Street Target Retirement Fund Class K Fund code: OVRL Objective: The investment seeks current income and, secondarily, capital growth. Fund using a proprietary asset allocation strategy. The fund is a "fund of funds" that invests in a combination of mutual funds and ETFs sponsored by the Adviser or its affiliates ("underlying funds"). Its assets are allocated among underlying funds according to a target asset allocation strategy that emphasizes fixed income, but also includes a smaller allocation to equity and certain other asset classes. 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 This information is intended to be educational and is not tailored to the investment needs of any specific investor. Expense Ratio after Reductions is an annualized figure that reflects amounts reimbursed by the fund company or reductions from brokerage service arrangements or other expense offset arrangements. For Fidelity Funds, brokerage service and other offset arrangements may be discontinued at any time and expense data is from the fund s most current annual or semiannual report. For non-fidelity funds, expense data is from the fund s most current prospectus and is provided by Morningstar. For a mutual fund, the expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund's total net assets. Expense ratios change periodically and are drawn from the fund s prospectus. For more detailed fee information, see the fund prospectus or annual or semiannual reports. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved

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