Computer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE. Helping you build a reliable plan for your future.

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1 Computer Task Group, Inc. 401(k) Retirement Plan TRANSITION GUIDE Helping you build a reliable plan for your future.

2 Computer Task Group, Inc. 401(k) Retirement Plan No matter where you are in your journey, we can help you map out the retirement you envision. Welcome to Fidelity Investments : A guide to the transition ahead At CTG, we re committed to offering you resources to help you map out your retirement goals and along with Fidelity, we re here to help you at every step in your journey.

3 Get ready for the changes ahead Starting August 1, 2017, Fidelity Investments will be the new service provider for the Computer Task Group, Inc. 401(k) Retirement Plan (the Plan ). Your retirement savings plan is an important benefit, so you need the right information, resources, and support to help you make decisions with confidence. With more than 65 years of financial services experience, Fidelity can help you put a plan in place that balances the needs of your life today with your retirement vision for tomorrow. Use this guide as a resource to help you take an active role in your retirement planning. Review the key transition dates and take note of services that may be temporarily unavailable during the transition. Discover what your 401(k) offers new services and features are being added to the Plan. Explore how your current investment lineup may change as a result of the transition and key dates for when you need to make investment decisions. Table of Contents Page Activity Calendar 3 Transition Highlights 5 Investment Options 7 Tools and Resources 12 Key Dates and Action Step 13 A special note for former employees, alternate payees, and plan beneficiaries: If you are a former employee, alternate payee, or beneficiary with an account balance in the Plan, some of the information enclosed may not apply to you. However, you will be affected by the upcoming transition, so please read this material carefully. 2

4 Activity Calendar Please review this activity calendar to understand how your account may be affected during the transition period. To ensure that all information is transferred accurately from your current plan account at MassMutual to your new Plan account at Fidelity, there will be a period of time when you will be unable to direct or diversify investments in your individual accounts, obtain a loan from the Plan, or obtain a distribution from the Plan. This period during which you will be unable to exercise these rights otherwise available under the Plan is called a blackout period. Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this blackout period may affect your retirement planning, as well as your overall financial plan. The blackout period for the Plan is expected to begin on July 21, 2017 and end during the week of August 13, During these weeks, you can determine whether the blackout period has started or ended by contacting MassMutual at During the blackout period, you will be unable to direct or diversify the assets held in your Plan account. For this reason, it is very important that you review and consider the appropriateness of your current investments in light of your inability to direct or diversify those investments during the blackout period. For your long-term retirement security, you should give careful consideration to the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income, and investments. You should be aware that there is a risk to holding substantial portions of your assets in the securities of any one company, as individual securities tend to have wider price swings, up and down, in short periods of time than investments in diversified funds. Stocks that have wide price swings might have a large loss during the blackout period, and you would not be able to direct the sale of such stocks from your account during the blackout period. If you have any questions concerning this blackout, you should contact Fidelity at If you have any questions or if you would like to make any changes to your account at MassMutual before the start of the blackout period, please go online or call KEY DATES* July 21, 2017 by 4 p.m. ET July 24, 2017 by 4 p.m. ET July 31, 2017 by 4 p.m. ET July 31, p.m. ET August 1, 2017 PLAN ACTIVITY/ACTION STEPS BLACKOUT PERIOD BEGINS Return all necessary paperwork to MassMutual to process a distribution or residential loan before the blackout period begins. Please allow enough time to request, receive, complete, and return the paperwork to MassMutual before this deadline. This is the last day at MassMutual to: Request an exchange between investment options. Request a personal loan. This is the last day at MassMutual to: Enroll in the Plan. Change your future contribution rate and how contributions will be invested. Submit repayments for a loan. Check your account balance. A final statement will not be sent by MassMutual. Your account balances are valued at the close of the market. Your account balances are scheduled to transfer to Fidelity. Review the Investment 3

5 KEY DATES* PLAN ACTIVITY/ACTION STEPS Options section of this guide to learn how your current investment lineup may change as a result of the transition. During the Week of August 13, 2017 October 2017 BLACKOUT PERIOD ENDS The blackout period is expected to end during this week, and the Fidelity Retirement Benefits Center and NetBenefits website will open for all Plan services. You will be notified when the blackout period has ended and you can: Log on to NetBenefits at to set up your username and password. On NetBenefits, you can: Enroll in the Plan Access investment option descriptions Review your account balances Research investment performance Change your contribution rate Request changes to your account Request a loan or distribution Call to speak with a Fidelity representative who can answer questions and walk you through any transaction you want to make in your account. Choose your beneficiaries. Beneficiary information currently on file will not transfer to Fidelity. You can designate your beneficiaries online on NetBenefits at or call the Fidelity Retirement Benefits Center at for help or to request a beneficiary form. First quarterly statement is available online from Fidelity. Account statements for the Plan are available online at and will not be automatically mailed to your home. To change your mail preferences and request that statements be mailed to your home address, call the Fidelity Retirement Benefits Center at or log on to NetBenefits at Simply select Profile, then Preferences. *The timing of the plan changes and transition period, including any asset reallocations, described within this brochure depends on a variety of factors, which may include the timing and accuracy of the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the timing of the delivery of services, the transition period, and/or the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. 4

6 Transition Highlights At CTG, we believe in offering a strong retirement program. Together with Fidelity, we ll provide a new level of service and commitment to help you prepare for retirement. What s new NetBenefits Website (same URL) Real-Time Company Stock Trading Roth In-Plan Conversion Annual Increase Program Rollovers Fidelity Portfolio Advisory Service at Work 2 Loan Repayment for Inactive Participants Distributions at Retirement Online Beneficiary Investor Center Access to Fidelity s comprehensive website dedicated to retirement planning. Here is where you will manage your account, make decisions on your investment choices, and find interactive tools and calculators to help you better prepare to meet your retirement savings goals. Refer to the Tools and Resources section of this guide for more details. You ll be able to access the NetBenefits site using the same URL: The CTG Stock fund will change from a unitized fund to a real-time traded fund to allow you greater convenience and flexibility. This means that when you make a trade, the order is immediately sent to the market during normal business hours and is then eligible for execution. Refer to the enclosed Understanding Real- Time Trading in Your Company Stock flyer for more information. This new feature will give you the option to potentially reduce future income taxes on money eligible to be withdrawn by allowing you to change some of your pretax dollars into Roth after-tax dollars. By using this feature, you can: Diversify your retirement assets between Roth and non-roth accounts Receive potentially federally tax-free earnings and withdrawals 1 An optional service that helps you keep pace with your goals by increasing your contribution amount each year. The Plan will begin accepting after-tax rollovers. Take the time and stress out of managing your own investments with access to a team of professionals that will help you create a plan and stay on track to retirement. When your employment ends with CTG or you are on an unpaid leave of absence and have a loan balance, you ll be able to continue making monthly loan payments for the scheduled term of the loan by establishing electronic loan payments. When you retire you may elect to receive distributions from your account in installments, partial withdrawals, or a lump sum. You may change your election for form of distribution anytime. With Fidelity s Online Beneficiaries Service, you can designate your beneficiaries, receive instant online confirmation, and check your beneficiary information virtually anytime. Beneficiary information currently on file will not transfer to Fidelity. You can designate your beneficiaries on NetBenefits at Fidelity has more than 190 Investor Centers across the country. The professionals in the Investor Centers are highly trained to provide you with the latest retirement planning insights and investment help. Investor Center products and services are offered beyond your employer-sponsored retirement plan. 1 A distribution from a Roth 401(k), 403(b) or governmental 457(b) plan is tax-free and penalty-free, provided the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, or death. Contact a tax professional for specific advice on your personal situation. 5

7 What will continue During the transition, some account activities will continue, including: Payroll Contributions Outstanding Loans Your pretax and Roth contribution(s) deducted from your pay, including catch-up contributions, if applicable, in effect before August 1, 2017, will continue and transfer to Fidelity. Any outstanding loan balances in the Plan will transfer to Fidelity. If you are currently an active participant in the Plan, you will continue to repay your loan(s) in the Plan in the same manner as you have with MassMutual. The transition will not affect the terms or length of your loan(s). 3 3 Loan repayments received during the blackout period will be invested in the Managed Income Portfolio Class 1 until the blackout period ends. At that time, loan repayments and any associated earnings will be posted to your account according to your investment elections on file with Fidelity. If you do not have any elections on file, your loan repayments and any associated earnings will be invested in the Plan s default fund, one of the Fidelity Freedom Funds. Fidelity Portfolio Advisory Service at Work 2 CTG has teamed up with Fidelity to offer a managed account service. It s a new way to help you get, and stay, on course toward your retirement goals. With Fidelity Portfolio Advisory Service at Work, you get active retirement account management. This means that Fidelity s team of investment professionals invest, monitor, and rebalance your account as needed to adjust to changes in the market, or changes to your situation. Fidelity Professionals are available to answer any questions you may have about this managed account service. Call for more information. 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, which will be paid from your account. 6

8 Investment Options Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Overview The Plan gives you a choice of investment options that allow you the flexibility to build your own strategy to meet your needs both long- and short-term. After the transition, the Computer Task Group, Inc. 401(k) Retirement Plan investment lineup may include current options and new investment choices. Depending on which funds you currently invest in, some of your investments may change. While many accounts may need to be liquidated and reinvested in the new investment option, CTG may determine that a reregistration, or in-kind transfer, is appropriate. Please be aware that the transfer methodology may vary by individual investment option, and certain options may be out of the market for a day or more while others remain fully invested during the transition. What you need to do Now is a good time to look at your situation and decide whether changes might be appropriate to better align your investment approach with your retirement goals. How to choose your investments Before making your investment decisions, it is important that you become familiar with the various options in the Plan. Additional information regarding each investment option s risk, as well as its strategy and objective, can be found in the enclosed Investment Options Guide. Please consider all investment information before choosing your investments. For an explanation of your rights to direct investments, any Plan restrictions, and a description of the types of fees and expenses associated with your Plan account, refer to the enclosed Participant Disclosure Notice. INVESTMENT OPTION TICKER SYMBOL Stock Investment Option CTG Stock CTG Specialty Investment Option Franklin Gold and Precious Metals Fund Advisor Class FGADX International/Global Equity Options American Funds EuroPacific Growth Fund Class R-6 Vanguard International Value Fund Investor Shares RERGX VTRIX Domestic Equity Options American Funds AMCAP Fund Class R-6 Janus Venture Fund Class I Vanguard Institutional Index Fund Institutional Shares RAFGX JVTIX VINIX 7

9 INVESTMENT OPTION Vanguard Small-Cap Index Fund Admiral Shares MFS Value Fund Class R4 American Century Mid Cap Value Fund I Class TICKER SYMBOL VSMAX MEIJX AVUAX Bond Investment Options Prudential Total Return Bond Fund Class Z MassMutual Premier Inflation-Protected and Income Fund Service Class PDBZX MIPYX Stable Value Investment Option Managed Income Portfolio Class 1 n/a Target Date Fund Options Fidelity Freedom 2060 Fund Fidelity Freedom 2055 Fund Fidelity Freedom 2050 Fund Fidelity Freedom 2045 Fund Fidelity Freedom 2040 Fund Fidelity Freedom 2035 Fund Fidelity Freedom 2030 Fund Fidelity Freedom 2025 Fund Fidelity Freedom 2020 Fund Fidelity Freedom 2015 Fund Fidelity Freedom 2010 Fund Fidelity Freedom Income Fund FDKVX FDEEX FFFHX FFFGX FFFFX FFTHX FFFEX FFTWX FFFDX FFVFX FFFCX FFFAX Note: New investment options being added to the Plan are listed in italics. 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. 8

10 Investment options that are changing* When the market closes (generally 4 p.m. Eastern time) on July 31, 2017, certain investment options offered through the Plan will no longer be available. As a result, current account balances and future contributions will transfer to the new investment options on August 1, 2017, unless you direct otherwise by making changes to your account by July 24, 2017, for current account balances and by July 31, 2017, for future contributions. Once the blackout period has ended, expected to be during the week of August 13, 2017, all Plan services will be available, including the ability to make investment exchanges within your account. EXISTING INVESTMENT OPTION WITH MASSMUTUAL AS OF 4 P.M. ET JULY 31, 2017 NEW INVESTMENT OPTION WITH FIDELITY, EFFECTIVE AT CLOSE OF BUSINESS AUGUST 1, 2017 TICKER SYMBOL Franklin Small-Mid Cap Growth Adv Janus Venture Fund Class I JVTIX Invesco Stable Value IV Managed Income Portfolio Class 1 n/a MFS Conservative Allocation A Fidelity Freedom 2010 Fund FFFCX MFS Moderate Allocation ADM Fidelity Freedom 2015 Fund FFVFX MFS Growth Allocation R4 Fidelity Freedom 2030 Fund FFFEX MFS Aggressive Growth Allocation A Fidelity Freedom 2050 Fund FFFHX T. Rowe Price Retirement 2010 Fidelity Freedom 2010 Fund FFFCX T. Rowe Price Retirement 2015 Fidelity Freedom 2015 Fund FFVFX T. Rowe Price Retirement 2020 Fidelity Freedom 2020 Fund FFFDX T. Rowe Price Retirement 2025 Fidelity Freedom 2025 Fund FFTWX T. Rowe Price Retirement 2030 Fidelity Freedom 2030 Fund FFFEX T. Rowe Price Retirement 2035 Fidelity Freedom 2035 Fund FFTHX T. Rowe Price Retirement 2040 Fidelity Freedom 2040 Fund FFFFX T. Rowe Price Retirement 2045 Fidelity Freedom 2045 Fund FFFGX T. Rowe Price Retirement 2050 Fidelity Freedom 2050 Fund FFFHX T. Rowe Price Retirement 2055 Fidelity Freedom 2055 Fund FDEEX *The timing of the plan changes and transition period, including any asset reallocations, described within this brochure depends on a variety of factors, which may include: the timing and accuracy of the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the timing of the delivery of services, the transition period, and/or the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. 9

11 Investment options that are not changing The current investment options listed below will remain in the Plan. Any balances you have invested in these investment options as of July 31, 2017, will transfer to the same funds (referred to as an in-kind transfer). Future contributions will continue to be invested in these funds unless you direct Fidelity otherwise by making changes to your account before July 31, 2017, or after the blackout period ends. CURRENT INVESTMENT OPTION TICKER SYMBOL CTG Stock Franklin Gold and Precious Metals Fund Advisor Class American Funds EuroPacific Growth Fund Class R-6 Vanguard International Value Fund Investor Shares American Funds AMCAP Fund Class R-6 Vanguard Institutional Index Fund Institutional Shares Vanguard Small-Cap Index Fund Admiral Shares MFS Value Fund Class R4 American Century Mid Cap Value Fund I Class Prudential Total Return Bond Fund Class Z MassMutual Premier Inflation-Protected and Income Fund Service Class CTG FGADX RERGX VTRIX RAFGX VINIX VSMAX MEIJX AVUAX PDBZX MIPYX For an explanation of your rights to direct investments, any Plan restrictions, and a description of the types of fees and expenses associated with your Plan account, refer to the enclosed Participant Disclosure Notice. 10

12 Default investment option CTG has determined that future contributions to your account that you have not directed to a specific investment option in the Plan will be invested in one of the Fidelity Freedom Funds. Your future contributions will be invested in the target date fund that has a target retirement date closest to the year you might retire and assumes a retirement age of 65. The target retirement date timeline and retirement age were selected by CTG. The Fidelity Freedom 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 the target date. The investment risk of each Fidelity Freedom target date fund changes over time as the fund s asset allocation changes. The funds 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 the funds' target dates. Please use the guidelines in the table below, as selected by CTG, to determine in which Fidelity Freedom fund your future contributions will be invested. DATE OF BIRTH FUND NAME TARGET RETIREMENT DATE 12/31/1942 and earlier Fidelity Freedom Income Fund 12/31/2007 and earlier 1/1/ /31/1947 Fidelity Freedom 2010 Fund 1/1/ /31/2012 1/1/ /31/1952 Fidelity Freedom 2015 Fund 1/1/ /31/2017 1/1/ /31/1957 Fidelity Freedom 2020 Fund 1/1/ /31/2022 1/1/ /31/1962 Fidelity Freedom 2025 Fund 1/1/ /31/2027 1/1/ /31/1967 Fidelity Freedom 2030 Fund 1/1/ /31/2032 1/1/ /31/1972 Fidelity Freedom 2035 Fund 1/1/ /31/2037 1/1/ /31/1977 Fidelity Freedom 2040 Fund 1/1/ /31/2042 1/1/ /31/1982 Fidelity Freedom 2045 Fund 1/1/ /31/2047 1/1/ /31/1987 Fidelity Freedom 2050 Fund 1/1/ /31/2052 1/1/ /31/1992 Fidelity Freedom 2055 Fund 1/1/ /31/2057 1/1/1993 and later Fidelity Freedom 2060 Fund 1/1/2058 and later 11

13 Tools and Resources It all starts on NetBenefits at Fidelity s website is designed so you can quickly and easily set up, monitor, and manage your retirement savings account. Beginning the week of August 13, 2017: If you have a username and password for other accounts at Fidelity, you can use that information to access your retirement account. If you do not have a Fidelity username and password, log on to NetBenefits at select Register Now, and follow the step-by-step instructions to set up your account. Online resources to help you succeed Once your account is set up, it s time to make sure your investment strategy is on track. From practical education to easy-to-use tools, you now have access to Fidelity s innovative resources and insights to help you make informed decisions. IF YOU WANT HELP WITH: Taking Control of Your Financial Future Financial Learning Resources Saving for Retirement Saving and Spending Investing Strategies Getting Ready to Retire TAKE THESE STEPS: Answer just a few questions and you ll be able to: Estimate how much income you may have or need in retirement Receive tips to help you get or stay on track Create a retirement plan in minutes Articles, infographics, videos, and more to suit your interests and skill level. See how increasing your contributions may help your money grow over time. View hypothetical scenarios showing some differences between Roth deferral and a pretax deferral. See how your pretax contribution might affect your take-home pay. Understand how much you may need to save and what your options are for investing. Easily monitor all of your Fidelity and non-fidelity online financial accounts in one secure place. See how your savings and spending compare using a simple rule of thumb. Determine how to invest your savings among stocks, bonds, and short-term investments. Build a portfolio for your retirement income. If you're retiring or approaching retirement, create an income plan. USE THIS ONLINE RESOURCE: Planning & Guidance Center Library Contribution Calculator Roth Modeler Take-Home Pay Calculator College Planner Full View Savings and Spending Checkup Determine Your Asset Mix Worksheet Fidelity Income Strategy Evaluator Planning & Guidance Center IMPORTANT: The projections or other information generated by Fidelity s Income Strategy Evaluator and Planning & Guidance Center Retirement Analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. 12

14 Key Dates and Action Steps Before the blackout period begins on July 21, 2017 for certain transactions: Make any changes to your account at MassMutual before the blackout period begins. Please note that there are different cutoff dates for each transaction type; please refer to the Activity Calendar on page 3 for details. Call or go online to After the blackout period, scheduled to end during the week of August 13, 2017: Log on to NetBenefits at to: Set up your username and password to access your account. Add your preferred address and elect edelivery. Enroll in the Plan, adjust your contribution amount, and/or change your investment elections. Enter your beneficiary information. Access information about each investment option available in the Plan, including investment risk, strategy, and objective. Review the fact sheet or prospectus, if available. Go mobile. Download the NetBenefits mobile app. Download a NetBenefits mobile app from the App Store, Google Play store, or Windows Store. Screenshots are for illustrative purposes only. System availability and response times may be subject to market conditions. The trademarks and service marks appearing herein are the property of their respective owners. All other trademarks and service marks are the property of FMR LLC or an affiliated company, and may be registered. Investing involves risk, including risk of loss. This document provides only a summary of the main features of the Computer Task Group, Inc. 401(k) Retirement Plan, and the Plan document will govern in the event of any discrepancies. Fidelity Brokerage Services LLC, Member NYSE, SIPC 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved /

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