IMPORTANT DATES The following chart tells you what will happen when and what you may wish to do as you become eligible for the Magellan Plan.

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2 WELCOME TO PRUDENTIAL RETIREMENT! As you know, you will soon be eligible for participation in the Magellan Health, Inc. Retirement Savings Plan (the Magellan Plan ) at Prudential Retirement. Whether you re a longtime saver or just getting started, Prudential can help you plan for a life after work that could last two to three decades or more. Indeed, Prudential has nearly 90 years experience in helping people just like you be confident that they ll have the income they need for all the days that follow in retirement. This guide offers an overview of what you can expect and what you may want to do in the coming days as we move from the Senior Whole Health Management Company, Inc. 401(k) Plan (the Senior Whole Health Plan ) to the Magellan Plan. IMPORTANT DATES The following chart tells you what will happen when and what you may wish to do as you become eligible for the Magellan Plan. Date April 13, 2018 before 4 p.m. ET April 14, 2018 until the week of April 23, 2018 April 16, 2018 Week of April 23, 2018 Affected Account(s) Senior Whole Health Plan Senior Whole Health Plan and Magellan Plan Senior Whole Health Plan Magellan Plan What s Happening This is the last day to transact in the Senior Whole Health Plan before the transition. To perform transactions, go to Fidelity s website, fidelity.com. Blackout period: You will be temporarily unable to perform transactions, such as investment transfers, during the blackout. If you are participating in the Senior Whole Health Plan, your balance will be transferred to your new Magellan Plan account. This is expected to occur within one to two business days. Your new Magellan Plan account will be fully accessible through Prudential. You can view your balance and make transactions online and/or by phone. 2

3 ACCESSING YOUR ACCOUNT AT PRUDENTIAL To set up your account and view your balances, or to enroll (during the week of April 23): Go to prudential.com/online/retirement Select First time logging in? Enter the information requested Choose your desired actions Or, call Prudential at 877-PRU-2100 ( ). Use the automated phone system at any time, or speak with a participant service representative weekdays from 8 a.m. to 9 p.m. ET. WHAT TO EXPECT Transferring your Investments/AUTOMATIC ENROLLMENT As part of this transition, your balance in the Senior Whole Health Plan will carry over to the Magellan Plan. However, it is important that you read the enclosed Notice of Blackout Period and Investment Changes to see how your investments in the Senior Whole Health Plan will be transferred to the Magellan Plan. If you are not currently contributing to the Senior Whole Health Plan, you will be subject to the Magellan Plan s automatic enrollment provisions (outlined below) and an account will be created for you, with future contributions invested in an American Funds Target Retirement Date Series Fund* corresponding to the year in which you ll reach age 65. *Registered Mutual Fund About the Investment Options For the most part, the Magellan Plan offers "like," or similar, investment options as the Senior Whole Health Plan. You can choose from a variety of individual investment and targetyear-based American Funds Target Retirement Date Series Fund options. Review the enclosed Fund Fact Sheets to learn about the plan s investment options. You can access your new Magellan Plan account and reallocate your balances at any time after the consolidation is complete. The target date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target date funds will become more conservative as the target date approaches by lessening the equity exposure and increasing the exposure in fixed income type investments. The principal value of an investment in a target date fund is not guaranteed at any time, including the target date. There is no guarantee that the fund will provide adequate retirement income. A target date fund should not be selected based solely on age or retirement date. Participants should carefully consider the investment objectives, risks, charges and expenses of any Fund before investing. Funds are not guaranteed investments and the stated asset allocation may be subject to change. It is possible to lose money by investing in securities, including losses near and following retirement. 3

4 QUESTIONS? You may have questions about this transition after reading this guide. After the transition is complete (during the week of April 23, 2018), feel free to call Prudential at 877-PRU Participant service representatives are available weekdays, from 8 a.m. to 9 p.m. ET. WHAT YOU SHOULD KNOW PARTICIPATION IN THE MAGELLAN PLAN If you are currently contributing to the Senior Whole Health Plan, many elections made in the Senior Whole Health Plan will carry over. After the transition is complete, you should review all of your elections in the Magellan Plan (including your contribution rate and investments) to ensure they are in line with your retirement goals. If you are not currently contributing to the Senior Whole Health Plan and are an eligible employee, you will be subject to the automatic enrollment provisions described below. EXISTING LOANS Any loans you may have in the Senior Whole Health Plan will continue to be repaid in the Magellan Plan. The Magellan Plan allows for up to one loan at a time; however, there is a 12-month waiting period after paying off a loan before you may take out an additional loan. Any outstanding loan balance not paid back at termination becomes taxable in the year of default. Under the Tax Cuts and Jobs Act of 2018 for defaults related to termination of employment after 2017, the individual has until the due date of that year s return (including extensions) to roll over this amount to an IRA or qualified employer plan. REDUCED AGE TO 18 The Magellan Plan allows employees as young as 18 to join (versus age 21 with the Senior Whole Health Plan). Therefore, employees younger than 21 will now be subject to the plan s automatic enrollment provisions. EMPLOYER MATCH AND VESTING Previously, the Senior Whole Health Plan provided for a discretionary match that vested fully after one year of service. The 2017 match was a match of 100% up to $2000 provided annually. The 2018 match for SWH will be compressed for the short plan year (100% up to $500). The Magellan Plan s match is different (see below) and vests fully over three years. However, all Senior Whole Health contributions will remain fully vested upon the transition. All years of service credited while employed by Senior Whole Health will carry over to Magellan. WEBINARS Mark your calendar! Representatives from Prudential Retirement will be conducting education sessions (via webinar) during April to answer your questions about the transition. They ll also provide information about the tools and resources available to you. Be on the lookout for details about upcoming webinar dates and times. 4

5 ABOUT THE MAGELLAN PLAN AUTOMATIC ENROLLMENT Because Magellan is committed to providing employees with the means to prepare for a successful retirement, if you are not currently participating in the Senior Whole Health Plan, you will be automatically enrolled in the Magellan Plan 45 days after your plan entry dateeach pay period, 3% of your eligible compensationwill be invested in a diversified American Funds Target Retirement Date Series Fund* until you make your own investment choices or change your contribution amount (or decline enrollment).. Please note: To avoid having money automatically deducted from your paycheck and contributed to your account, you must decline enrollment in the plan within 45 days of your plan entry date. You may learn more about the plan s automatic enrollment provisions by reading the enclosed Automatic Contribution Arrangement notice. Also, Prudential Retirement cannot refund any contributions if you decline enrollment after you have contributed. YOUR CONTRIBUTIONS You may contribute from 1% to 75% of your compensation as pre-tax and/or Roth 401(k) contributions. For 2018, the IRS maximum for pre-tax or Roth contributions is $18,500. If you are (or will be) age 50 or older in 2018, you can contribute an additional $6,000 to the plan in 2018 if you meet certain contribution limits. (You can read more about Roth contributions below.) CONTRIBUTION ACCELERATOR Magellan also offers Contribution Accelerator, which provides for automatic, annual increases to your account contributions. Your contribution rate can increase by 1% or 2% every year until it reaches 10%. (You can make changes or cancel at any time.) These small, steady increases may hardly make a dent in your paycheck, but their effect on your savings over time could be powerful. EMPLOYER MATCH Contributing to the Magellan Plan is a great start. But if you really want to shift your retirement planning into high gear, consider taking full advantage of Magellan s matching contribution if not, it s like passing up free money. For the first 6% you contribute, Magellan will contribute an additional 50% of your contributions to your account (for a maximum of 3%). To receive the entire match to which you re entitled, you should contribute 6% to the plan. Roth Contributions Like the Senior Whole Health Plan, the Magellan Plan offers an additional way to save for retirement Roth contributions. Instead of having all of your contributions deducted from your paycheck before taxes, you may decide to make Roth contributions on an after-tax basis and have the ability to withdraw qualified money at retirement without paying federal income taxes.** With Roth 401(k) contributions, there are no income restrictions. You can make Roth contributions to the Magellan Plan even if you ve been restricted from contributing to a Roth IRA. You may be able to withdraw your Roth contributions and any qualified investment gains federal tax-free and penalty-free when you reach age 59½ and provided you have had a Roth account for at least five years.** Distribution options The Magellan plan offers partial withdrawals, installments and lump sum distributions where the Senior Whole Health plan only allowed for lump sum distributions. 5

6 BENEFICIARY DESIGNATION As a new participant in the Magellan Plan, you will need to name a beneficiary for your account. Beneficiary designations in the Senior Whole Health Plan will not carry over to the Magellan Plan. Naming a beneficiary is an important but often neglected part of sound financial planning. If you are married and wish to designate someone other than your spouse as your primary beneficiary, you must complete a beneficiary designation form with your spouse's notarized consent. To obtain this form, contact the Prudential call center at 877-PRU Investments Magellan offers a selection of investments for your consideration, from indvidual investments for the do-it-yourself investor, to easy solutions such as the American Funds Target Retirement Date Series Fund* for participants who prefer a solution based on their time to retirement, or GoalMaker. GOALMAKER Deciding which mix of investments is right for your particular goal can challenge even the most seasoned investor. That is why the Magellan Plan also includes GoalMaker. GoalMaker is an easy-touse, optional asset allocation program available at no additional charge to you that can help you maintain a diversified portfolio. Using just two key pieces of information your personal investor style or risk tolerance (Conservative, Moderate or Aggressive) and your years to retirement (when you plan to start taking distributions) GoalMaker can propose one of 12 model portfolios made up of investment options from the plan. With its Automatic Rebalancing feature, GoalMaker can help you keep your asset allocation in line with your original investment allocation. Please keep in mind that application of asset allocation and diversification concepts does not ensure a profit or protect against loss in a declining market. You can lose money by investing in securities. You can decide how you want your money invested, and you may move money between investments at any time. You can learn more about the investment funds in the Magellan Plan by reviewing the enclosed Fund Fact Sheets, or by visiting Prudential online at prudential.com/online/retirement. WHAT IS INCLUDED WITH THIS GUIDE? Below is a summary of required information that is included in this mailing. Name Notice of Blackout Period and Investment Changes Important Notice Regarding Your Plan Investment and Qualified Default Investment Alternatives Automatic Contribution Arrangement Notice Fund Fact Sheets Key Information Describes the changes to your investment options and the mechanics of how your balance will transition to the Magellan Plan. It outlines the timing, including the window when you will not have access to your account, called the blackout. Outlines how your balance will be invested in the Magellan Plan if you do not make any active investment elections. Read this to learn more about the Retirement Goal SM Funds. Describes when you will be automatically enrolled in the Magellan Plan if no action is taken. Summarize the objectives and performance of the Magellan Plan s investment options. 6

7 Investors should consider the fund s investment objectives, risks, charges and expenses before investing. The prospectus, and if available the summary prospectus, contain complete information about the investment options available through your plan. Please call for a free prospectus and if available, a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities. Shares of the registered mutual funds are offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Retirement Counselors are registered representatives of Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. For informational or educational purposes only. This material is not intended as advice or recommendation about investing or managing your retirement savings. By sharing it, Prudential Retirement is not acting as your fiduciary as defined by the Department of Labor s fiduciary rule or otherwise. If you need investment advice, please consult with a qualified professional. **Amounts withdrawn (other than qualified Roth distributions) are subject to income taxes and potentially a 10% federal income tax penalty if taken before age 59½. Qualified Roth distributions are federally tax-free, provided the Roth account has been open for at least five tax years and the owner has reached age 59½, has died or has become disabled. Qualified Roth distributions may be subject to state and local income tax. Withdrawals (other than qualified Roth distributions) are subject to income taxes and potentially a 10% federal income tax penalty if taken before age 59½. GoalMaker s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.), in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon. Prudential Financial and its affiliates do not provide tax or legal advice for which you should consult with your qualified professional. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT or its affiliates. PRIAC is a Prudential Financial company Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide MZBRRE3 03/2018 7