Manage your account online Lghealthretire.org puts your financial future at your fingertips.

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1 LG Health Retirement Plans Plan today for tomorrow s retirement Manage your account online Lghealthretire.org puts your financial future at your fingertips. The LG Health Retirement Plans website, lghealthretire.org, is the portal to your Retirement Plans along with a wealth of information, tools and resources designed to help you have a healthy financial life after work. It s easy to use and is a helpful way to manage your account from your computer or mobile device. This guide will give you an overview of the site. Contents An overview A closer look Let s get started! Enrolling in Plan Accounts Home Viewing your account Left-hand navigation Account Detail screen Request Pension Estimate screen Pension Estimate screen Contact us

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3 An overview Lghealthretire.org lets you explore the highlights of your Plan and more. From understanding investments to getting acquainted with the many retirement planning tools available to you, you ll discover how to overcome the common challenges to saving. The site was designed with easy navigation in mind, so you ll quickly find the information you need when you need it. Also, if personalized guidance is in order, you can arrange an appointment with Mike Phyillaier, our on-site retirement counselor. To access your account, just click the Access My Account button. It will take you to a secure login page where you can get started.

4 A closer look The most popular topics in retirement planning are each given their own page. Each is accessible directly from the home page, so you ll never get lost in a frustrating online maze. Global navigation tabs along the top of each page let you move seamlessly from one topic to the next. Your account is at your fingertips Prudential Retirement s mobile app lets you access your retirement account from your smartphone or tablet. So you can monitor and manage your account any time, anywhere. Install the Prudential Retirement mobile app from the Google Play store or the App store. Or visit prudential.com/online/retirement on your mobile device for access to the full site.

5 Let s get started! Click Access My Account if you re ready to log in or enroll. You ll be brought to Prudential s secure, transactional site. On the login page, enter your user ID and password. (If you re a first-time user, click Register Now and follow the instructions to create your user ID and password.) Your password is a unique code you create. It should be a combination of letters and numbers. Remember to keep your password in a safe place. Enrolling in Plan Why wait? Enrolling is easy. If you do not want to wait until you are automatically enrolled, it s easy to join your plan. Once you log in, you ll see this page. Simply click on the link for your plan or just click Get Started Now, and a series of screens will walk you through the process.

6 Accounts Home Once you ve logged in, you ll see the Accounts Home page. Here you can see: A summary of your Prudential retirement account(s) Your investment performance Year-to-date contributions to your account. Click the View Details button or the plan name(s), or use the drop-down menu to manage your account(s). Viewing your account Keep going: View your details For more in-depth information about your account, from the Accounts Home page, click View Details next to the name of the retirement account you want to view, or you can just click the plan s name from this page. You can view your account value, vested amount (the portion of your account you own), outstanding loan balances (if applicable) and personal performance. Year-to-date contributions to your account include your own contributions, as well as your employer contributions.

7 Left-hand navigation How to navigate the site From the left-hand menu bar, you can: View account details and update your information. Designate or change your beneficiary(ies). Change your contribution rate. Change your investments, or transfer money between funds. Learn more about saving and investing for retirement. What s more, help is easy to find. At the bottom of every screen, you ll see links to the Frequently Asked Questions (FAQ) and Glossary sections of the site. The FAQ contains answers to frequently asked questions about the retirement planning process and using this website. If you come across a term that s unfamiliar to you, just visit the Glossary. Account management could not be simpler Choosing your investment mix just might be the most important step you take when it comes to preparing for retirement, but many people need a little help. If that s you, from the left-hand bar, go to Manage Account, then click on GoalMaker. GoalMaker is an optional, automated asset allocation and rebalancing program. It s available to you at no extra cost, enabling you to quickly build and maintain a pprofessionally designed, diversified portfolio of investments in the plan, based on your investor style (based on risk) and years to retirement.

8 Account Detail screen The Account Detail screen shows you:* The amount of your accrued annual pension benefit The amount of your vested annual pension benefit Your status in the pension plan Your Normal Retirement Date * All amounts shown are estimates only. Request Pension Estimate screen On this screen, you can request an online estimate of your monthly pension benefit, based on: The date you plan to terminate employment or your age at termination The month and year or the age when you plan to begin receiving your pension benefit

9 Pension Estimate screen This screen shows an estimate of your monthly pension benefit, based on: the various payment options that are available to you your age at the date you specified you wished to begin receiving your monthly pension benefit

10 Contact us Have questions? Need help? Contact Prudential Retirement: By Click Contact Us in the upper-right corner of any page, then pick a subject from the drop-down menu to submit a comment or question. A Prudential representative will contact you within 48 hours. By phone: Call us toll-free at 888-LGH-RET1 ( ). Participant service representatives are available Monday through Friday, 8 a.m. to 9 p.m. ET. If you have any questions, call Prudential Retirement at 844-LGH-RET1 ( ) or log in to your account at lghealthretire.org.

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12 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. GoalMaker is an optional tool and available at no additional cost. GoalMaker s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. Past performance of any investment does not guarantee future results. Prudential Financial encourages participants to consider their other assets, income and investments when enrolling in the GoalMaker program. We also recommend participants periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon. Participants using the Retirement Income Calculator should consider other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.) when assessing the adequacy of the estimated income stream as provided by this tool. The Retirement Income Calculator is hypothetical, for illustration only and not intended to represent performance of any specific investment, which may fluctuate. There is no assurance that retirement income objectives will be met. You can lose money by investing in securities. Rollover assets may be assessed fees or other surrender charges. Please contact current account provider for this information. Neither Prudential Financial nor its representatives are tax or legal advisors and encourage you to consult your individual legal or tax advisor with any specific questions. Retirement counselors are registered representatives of Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. 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 LGHBRRE11_ /2018