Saving isn t just about retirement it s about your future.

Saving isn t just about retirement it s about your future. Let us help you create the future you want for yourself and your loved ones. Rochester Regional Health 401(k) and 403(b) Plans Transition Guide Welcome to Fidelity Investments : a guide to the transition ahead. Important notice concerning your rights under the 401(k) and 403(b) plans: This notice is to inform you that 401(k) and 403(b) plans will be transitioning to Fidelity Investments.

Welcome to Fidelity! Fidelity Investments will become the service provider for the Rochester Regional Health 401(k) and 403(b) Plans (the Plans), effective July 1, 2017. This guide is intended to provide you with the details surrounding the transition from your current service provider(s) to Fidelity. The transition to Fidelity applies to all eligible employees within Rochester Regional Health and any participant with a balance in the following plans: Plan Service Provider Rochester Regional Affiliate Clifton Springs Hospital and Clinic [401(k)] Retirement Savings Plan Genesee Valley Trust Clifton Springs Hospital & Clinic 1 Rochester General Health System 403(b) Plan MetLife Rochester General United Memorial Medical Center 403(b) Retirement Plan Unity Health System 401(k) Plan Unity Health System TSA [403(b)] Plan BPAS Transamerica and VALIC United Memorial Medical Center ACM Medical Laboratory Unity As mentioned in the cover letter: This transition will not affect, in any way, frozen or active pension plans in which you may be a participant. This transition will not affect the benefit level of any 401(k) or 403(b) plans in which you may be a participant. This means that any material plan provisions (i.e., matches, where applicable, etc.) will remain the same. The key change associated with this transition is simple: the underlying service provider(s) that tracks your assets and provides financial education will now be consolidated under Fidelity. This transition will require you to take, at minimum, two actions between June 5, 2017, and July 2, 2017. 1. Make new investment elections. As part of the transition, you will need to choose new investment elections. The investment choices you make will apply to your current 401(k) or 403(b) plan account balances transferring to Fidelity and to your future payroll contributions. If you do not make investment choices during the transition period, your current account balances and future contributions will be directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. 2. Designate beneficiaries. You will also need to designate your beneficiaries with Fidelity, as the beneficiary designation on file with your current service provider will not transfer to your Fidelity account. For further details and a complete list of actions you should consider, please refer to the Transition Readiness Checklist on page 22. 1 Deferrals to the Clifton Springs Hospital & Clinic 403(b) will no longer be permitted effective July 1, 2017. Clifton Springs Hospital & Clinic employees are encouraged to save in the plan that contains a match provision; the Clifton Springs Hospital & Clinic 401(k) plan. 2

Table of Contents This Guide is intended to help you successfully transition from your current service provider to Fidelity Investments. Additional information about this transition is available at: myrochealth.com/benefits. Table of Contents Page Transition Highlights 4 Investment Options 5 Activity Calendar 10 Informational Sessions 16 Frequently Asked Questions 18 Transition Readiness Checklist 22 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 one of the 401(k) or 403(b) plans listed on the previous page, 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. 3

Transition Highlights Rochester Regional Health is committed to providing you a retirement savings vehicle and education services that will support you in meeting your retirement goals. To help you understand the essential features of the Plans, serviced through Fidelity, here are some highlights: Eligibility to Participate Employee Contributions: All employees are immediately eligible to make salary deferral contributions. 2 Employer Contributions (if applicable): Eligibility rules for receiving employer contributions will remain the same (i.e., affiliates that currently have a match will continue to have a match). Lower Fees Online Beneficiary Designations As a result of a newly streamlined menu of investment options including access to institutional grade funds, Rochester Regional Health employees may experience lower overall investment fees and expenses. With Fidelity s Online Beneficiaries Service, you can designate your beneficiaries, receive instant online confirmation, and check or update your beneficiary information virtually any time. Current beneficiary information on file will not transfer to Fidelity. Loans All outstanding loan balances in your current 401(k) or 403(b) plan(s) 3 will transfer to Fidelity. Employees who are currently making loan payments through payroll deduction will be transitioned to direct payment with Fidelity. 4 Active employees will be eligible to take one loan from the 401(k) or 403(b) at any given time. Workplace Planning and Guidance Support Fidelity representatives are knowledgeable professionals equipped with detailed information about the Plans and the financial know-how to help get you on your way. They are available to you by phone, on campus by appointment, and at a Fidelity Investor Center. On site Town Halls and Walk-in Sessions (see pages 16-17) Fidelity Retirement Service Center at: 800-343-0860 On-campus by making an appointment at: getguidance.fidelity.com Fidelity Investor Center at: Pittsford Plaza, 3349 Monroe Avenue, Rochester, NY 14618 2 If you are not currently participating in your plan, now is a good time to review the benefits to saving for your future. Beginning July 16, 2017, you can select your salary deferral online through NetBenefits or by calling Fidelity. 3 Those who have a loan with VALIC will not have their loan transitioned to Fidelity and should continue to make loan payments directly to VALIC. 4 Fidelity will process the payments on all loans as part of this transition. The transition from payroll deductions to direct loan repayment to Fidelity will not affect the terms or length of the loan(s). Investor Center products and services are offered beyond those of your employer-sponsored retirement plan. 4

Investment Options Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. You may contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Overview Your 401(k) or 403(b) Plan gives you a choice of investment options that provide you an investment strategy to meet your objectives both short and long term. There are three basic investment approaches, and it may be helpful to identify the one that suits you the best. An understanding of your needs, as well as your unique goals and circumstances, will give you flexibility to determine which approach makes the most sense for you. You may contact Fidelity for a prospectus and investment information by calling 800-343-0860 or log on to NetBenefits at fidelity.com/atwork. As with any investment, it s important to check your portfolio periodically to make sure the investment mix you ve selected is still the right approach for you. With a tiered approach, you can develop an investment strategy that is tailored to your specific needs. If you are not sure how to invest for retirement, the chart below may help identify which investment tier structure may best fit your needs. Description: Tier 1: Target Date Options Target date funds are designed for investors who expect to retire during or near the year indicated in each fund s name. The funds are designed and managed to gradually become more conservative over time, as they approach the target date and beyond. This simple one-fund approach can help keep you from being too conservative early on, or from taking on too much risk once you re closer to retirement. Who may want to invest: Someone who has minimal to no investment knowledge. Someone who would like their investments managed for them. Description: Tier 2: Passive Core Options Index, or passively managed, funds strive to deliver the return of the market with a relatively high degree of accuracy. Tier 2 provides do-ityourself participants with asset classes that are not dependent on the success of a particular investment manager. These investments have been carefully selected by Rochester Regional Health, with the help of an independent consultant. Who may want to invest: Someone with moderate investment knowledge. Someone who would like limited involvement in managing their investments. Description: Tier 3: Active Core Options Mutual funds across several asset classes, such as domestic and international equities, fixed and guaranteed income investments. An actively managed option strives to deliver returns that have outperformed its respective market index through active management. Who may want to invest: Someone with greater investment knowledge. Someone who would like to actively manage their investments. 5

Investment Options The following table outlines the investment options available in the Plans. See the chart on page 8 for Target Fund date ranges. Tier 1: Target Date Options Vanguard Institutional Target Retirement 2015 Fund Institutional Shares Vanguard Institutional Target Retirement 2020 Fund Institutional Shares Vanguard Institutional Target Retirement 2025 Fund Institutional Shares Vanguard Institutional Target Retirement 2030 Fund Institutional Shares Vanguard Institutional Target Retirement 2035 Fund Institutional Shares Vanguard Institutional Target Retirement 2040 Fund Institutional Shares Vanguard Institutional Target Retirement 2045 Fund Institutional Shares Vanguard Institutional Target Retirement 2050 Fund Institutional Shares Vanguard Institutional Target Retirement 2055 Fund Institutional Shares Vanguard Institutional Target Retirement 2060 Fund Institutional Shares Vanguard Institutional Target Retirement Income Fund Institutional Shares Ticker Symbol VITVX VITWX VRIVX VTTWX VITFX VIRSX VITLX VTRLX VIVLX VILVX VITRX Tier 2: Passive Core Options Fidelity 500 Index Fund - Institutional Premium Class Fidelity Extended Market Index Fund - Institutional Premium Class Fidelity Total International Index Fund - Institutional Premium Class 5 Vanguard Total Bond Market Index Fund Admiral Shares Ticker Symbol FXAIX FSMAX FTIHX VBTLX 5 There is a short-term redemption fee of 1% for fee-eligible shares held less than 90 days. 6

Tier 3: Active Core Options Eaton Vance Atlanta Capital SMID-Cap Fund Class R6 Hartford International Opportunities HLS Fund Class IA JPMorgan U.S. Equity Fund Class R6 PIMCO Inflation Response Multi-Asset Fund Institutional Prudential Total Return Bond Fund Class Q Vanguard Federal Money Market Fund Investor Shares 6 Ticker Symbol ERASX HIAOX JUEMX PIRMX PTRQX VMFXX Default Investment Option Rochester Regional Health has determined that, if you do not make investment elections with Fidelity by 11:59 p.m. on July 2, 2017, your current account balances and future contributions will be invested in the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. Your current account balances * and future contributions will be invested in the target date fund that has a target retirement date closest to the year in which you are expected to reach your normal retirement age of 65. The target retirement date timeline and retirement age were selected by Rochester Regional Health. 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 the target date. The investment risk of each 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. * 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. 6 You could lose money by investing in a money market 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. The fund s sponsor has no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. 7

The table below provides your default investment option. Should you not make an investment election by July 2, 2017, your current account balances and future contributions will be invested in the target date fund that has a target retirement date closest to the year in which you are expected to reach your normal retirement age of 65. Date of Birth Fund Name Target Retirement Date Before 1948 01/01/1948 12/31/1952 01/01/1953 12/31/1957 01/01/1958 12/31/1962 01/01/1963 12/31/1967 01/01/1968 12/31/1972 01/01/1973 12/31/1977 01/01/1978 12/31/1982 01/01/1983 12/31/1987 01/01/1988 12/31/1992 Vanguard Institutional Target Retirement Income Fund Institutional Shares Vanguard Institutional Target Retirement 2015 Fund Institutional Shares Vanguard Institutional Target Retirement 2020 Fund Institutional Shares Vanguard Institutional Target Retirement 2025 Fund Institutional Shares Vanguard Institutional Target Retirement 2030 Fund Institutional Shares Vanguard Institutional Target Retirement 2035 Fund Institutional Shares Vanguard Institutional Target Retirement 2040 Fund Institutional Shares Vanguard Institutional Target Retirement 2045 Fund Institutional Shares Vanguard Institutional Target Retirement 2050 Fund Institutional Shares Vanguard Institutional Target Retirement 2055 Fund Institutional Shares Before 2013 2013 2017 2018 2022 2023 2027 2028 2032 2033 2037 2038 2042 2043 2047 2048 2052 2053 2057 01/01/1993 and after Vanguard Institutional Target Retirement 2060 Fund Institutional Shares 2058 and after 8

Make your investment choices * Beginning June 5, 2017, through July 2, 2017, you need to choose the investment elections for your 401(k) or 403(b) Plans with Fidelity. The investment choices you make will apply to your current account balances and future payroll contributions, and will be in effect at the time the transfer is complete. To make your investment choices, call 800-343-0860 or log on to NetBenefits at fidelity.com/atwork. If you do not make investment choices during the transition period, your current account balances and future contributions will be directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. Review the Default Investment Option section of this guide to learn more. Information regarding each investment option s risk, as well as its strategy and objective, including a prospectus or fact sheet, if available, can be obtained on NetBenefits at fidelity.com/atwork. Please consider all investment information before choosing your investments. * 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

Activity Calendar Please review this activity calendar to understand how your account will be affected during the transition period. To ensure that all information is transferred accurately from your current 401(k) or 403(b) plan account to your new account at Fidelity, there will be a period of time when you will be unable to change the investments in your individual accounts, obtain a loan, or obtain a distribution from your account. This period during which you will be unable to exercise these rights otherwise available under the Plan is referred to as 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 temporary blackout period for the plans is expected to begin at 4 p.m. EST as listed below: Plan Blackout Begins Service Provider Clifton Springs Hospital and Clinic [401(k)] Retirement Savings Plan Rochester General Health System 403(b) Plan United Memorial Medical Center 403(b) Retirement Plan Unity Health System 401(k) Plan Unity Health System TSA [403(b)] Plan June 23, 2017, at 4 p.m. EST June 23, 2017, at 4 p.m. EST June 20, 2017, at 4 p.m. EST June 22, 2017, at 4 p.m. EST Genesee Valley Trust MetLife BPAS Transamerica and VALIC The blackout period is expected to end during the week of July 16, 2017. If you have any questions concerning the blackout period, you may call the Fidelity Retirement Service Center at 800-343-0860. Prior to the blackout period, it is very important that you review and consider the appropriateness of your current investments in light of your inability to change 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. If you would like to make any changes to your current plan account before the start of the blackout period, contact your current service provider before the blackout period begins. On page 23, see the contact information for the current 401(k) and 403(b) service providers. 10

Key Dates * Activity What It Means To You May 31, 2017, through June 8, 2017 June 5, 2017, through July 2, 2017 Get the facts about the transition. Fidelity representatives will be on-site for Town Hall meetings and Walk-in Sessions. See the Informational Sessions on pages 16-17 of this guide or online at myrochealth.com/benefits. Set up your Fidelity NetBenefits account access. Set up your NetBenefits username, password and email preferences at fidelity.com/atwork: If you have a username and password for other accounts at Fidelity, you can use that information to access your account. If you do not have a Fidelity username and password, click Register at the top of the page, and follow the step-by-step instructions to set up your account access. Make your investment elections. Call the Fidelity Retirement Service Center at 800-343-0860 or log on to NetBenefits at fidelity.com/atwork to make your investment elections. You may also meet with a Fidelity representative for a one-on-one appointment. Review additional information on NetBenefits at fidelity.com/atwork regarding each investment option s risk, as well as its strategy and objective, including a prospectus or fact sheet, if available. Please consider all investment information before choosing your investments. Designate your beneficiaries. Log on to NetBenefits at fidelity.com/atwork and select Beneficiaries in Your Profile. Attend a Town Hall meeting or stop by a Walk-in Session to learn about the transition and get answers to your questions. Fidelity representatives can provide education on the available investment options and beneficiary designations. A Fidelity account will be established for you. You may access your account online or by calling Fidelity. As part of the transition, you need to choose new investment elections. The investment choices you make will apply to your current 401(k) or 403(b) plan account balances transferring to Fidelity and to your payroll contributions. If you do not make investment choices during the transition period, your current account balances and future contributions will be directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. Review the Default Investment Option section of this guide to learn more. You will need to designate your beneficiaries with Fidelity, as the beneficiary designation on file with your current service provider will not transfer to your Fidelity account. 11

Key Dates * Activity What It Means To You Prior to June 20, 2017, at 4 p.m. EST Prior to June 22, 2017, at 4 p.m. EST (Transamerica) Prior to June 23, 2017, at 4 p.m. EST (VALIC) United Memorial Medical Center 403(b) Retirement Plan Prior to blackout period at BPAS: Complete any final transactions with BPAS for your current 403(b) account. Unity Health System 401(k) Plan and Unity Health System TSA [403(b)] Plan Complete any final transactions with Transamerica and/or VALIC for your current 401(k) and 403(b) account(s). The blackout period for BPAS begins on June 20, 2017, at 4 p.m. EST. This is the last day before the blackout to: Enroll in the 403(b) Plan. Return paperwork needed to initiate a loan or distribution. Change your future contribution rate. Change how your contributions with BPAS are invested. Check your account balance. Request an exchange between investment options. The blackout period for Transamerica begins on June 22, 2017, at 4 p.m. EST. The blackout period for VALIC begins on June 23, 2017, at 4 p.m. EST. This is the last day before the blackout to: Enroll in the 401(k) or 403(b) Plan. (Transamerica only) Return paperwork needed to initiate a loan or distribution. Please note, VALIC requires that all paper transactions must be received by 4 p.m. EST on June 16, 2017. Change your future contribution rate. Change how your contributions with Transamerica and/or VALIC are invested. Check your account balance. Request an exchange between investment options. 12

Key Dates * Activity What It Means To You Prior to June 23, 2017, at 4 p.m. EST Prior to June 23, 2017, at 4 p.m. EST June 30, 2017, at 4 p.m. EST Clifton Springs Hospital and Clinic [401(k)] Retirement Savings Plan Complete any final transactions with Genesee Valley Trust for your current 401(k) account. Rochester General Health System 403(b) Plan Complete any final transactions with MetLife for your current 403(b) account. Your account balance is valued at the close of the market. Your elected contribution rate (e.g. 5%) will transfer to Fidelity. The blackout period for Genesee Valley Trust begins on June 23, 2017, at 4 p.m. EST. This is the last day before the blackout to: Enroll in the 401(k) Plan. Return paperwork needed to initiate a distribution. Change your future contribution rate. Change how your contributions with Genesee Valley Trust are invested. Check your account balance. Request an exchange between investment options. The blackout period for MetLife begins on June 23, 2017, at 4 p.m. EST. This is the last day before the blackout to: Enroll in the 403(b) Plan. Return paperwork needed to initiate a distribution. Change your future contribution rate. Change how your contributions with MetLife are invested. Check your account balance. Request an exchange between investment options. Balances will be liquidated by your current service provider. Your payroll contributions will continue and will be directed to your selected investment options at Fidelity. 13

Key Dates * Activity What It Means To You July 2, 2017, at 4 p.m. EST July 3, 2017 Week of July 16, 2017 Investment elections are now restricted until the blackout period ends. Your account balance(s) is scheduled to transfer to Fidelity. BLACKOUT PERIOD ENDS FOR ALL ACCOUNTS The blackout period is expected to end during this week. You will be notified by email when the blackout period has ended. You will not be able to make changes to your investment elections at Fidelity until the blackout period is complete. Your account balance will be temporarily transferred to the Fidelity Money Market Trust Retirement Government Money Market II Portfolio 7 until the blackout period ends. Once the blackout period ends, your account balances will be allocated to your investment choices or, if you have not made an investment election, directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. Review the Default Investment Option section of this guide to learn more. Your account with Fidelity is fully operational. You can access your account balance, conduct transactions and utilize all available services through Fidelity. 7 You could lose money by investing in a money market 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 money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. Fidelity s government and U.S. Treasury money market funds 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. 14

Key Dates * Activity What It Means To You Week of July 16, 2017 PLAN OPENING July 2017 September 2017 The Fidelity Retirement Service Center and NetBenefits website will open for all Plan services. Log on to NetBenefits at fidelity.com/atwork to: - Review your account balance. - Request changes to your account. - Request a loan or distribution. - Resume investment election changes. - Enroll or change your salary deferral. Call the Fidelity Retirement Service Center at 800-343-0860 to speak with a Fidelity representative who can answer questions and assist with all Plan transactions. Receive your final account statement from your prior service provider. Your final statement will include all activity between April 1, 2017, and June 30, 2017. Your first quarterly statement from Fidelity will be available online. Account statements for the Plans will be available online at fidelity.com/atwork 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 Fidelity at 800-343-0860 or log on to NetBenefits at fidelity.com/atwork (select Profile, then Mail Preferences). Review your final account statement from your prior service provider for accuracy. Compare your first statement from Fidelity to the final statement received from your prior service provider. Quarterly statements from Fidelity will be posted online and accessed through your user account. If you prefer to receive your statement by mail, you will need to change your preferences with Fidelity. * 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. 15

Informational Sessions Town Halls Employees are invited to attend a Town Hall meeting to learn about the transition to Fidelity. Town Halls will include a brief presentation, along with a question-and-answer session. Upon conclusion of the Town Halls, Fidelity representatives will be available to answer general Plan questions. For the latest information and transition details, visit myrochealth.com/benefits. Where: When: Time: Newark Wayne Hospital 111 Driving Park Avenue Newark Wayne Main Cafe Clifton Springs Hospital 2 Coulter Road Rotary Conference Room Rochester General Hospital 1425 Portland Avenue Twig Auditorium United Memorial Medical Center 127 North Street North Street Cafeteria United Memorial Medical Center 16 Bank Street Bank Street Cafeteria Unity Hospital 1555 Long Pond Road Education Center June 5, 2017 June 7, 2017 May 31, 2017 June 6, 2017 June 1, 2017 June 7, 2017 June 7, 2017 May 31, 2017 June 1, 2017 8:30 a.m. 9:30 a.m. 2:30 p.m. 3:30 p.m. 8:30 a.m. 9:30 a.m. 2:30 p.m. 3:30 p.m. 7:30 a.m. 8:30 a.m. 9:00 a.m. 10:00 a.m. 10:30 a.m. 11:30 a.m. 12:00 p.m. 1:00 p.m. 9:30 a.m. 10:30 a.m. 11:00 a.m. 12:00 p.m. 2:30 p.m. 3:30 p.m. 4:00 p.m. 5:00 p.m. 7:15 a.m. 8:15 a.m. 9:00 a.m. 10:00 a.m. 2:00 p.m. 3:00 p.m. 9:00 a.m. 10:00 a.m. 1:00 p.m. 2:00 p.m. 9:30 a.m. 10:30 a.m. 3:30 p.m. 4:30 p.m. 7:30 a.m. 8:30 a.m. 1:00 p.m. 2:00 p.m. 4:30 p.m. 5:30 p.m. 16

Where: When: Time: Riedman Campus 100 Kings Highway South Training Center ACM Medical Laboratory 160 Elmgrove Park ACM Cafeteria St. Mary s 89 Genesee Street East/West Auditorium Evelyn Brandon Health Center 81 Lake Avenue Room 2134 Hill Haven 1550 Empire Blvd. Recreation Room RMHC and ElderONE 490 East Ridge Road Room 22 A/B May 31, 2017 June 6, 2017 June 6, 2017 June 8, 2017 June 8, 2017 June 8, 2017 June 8, 2017 9:00 a.m. 10:00 a.m. 10:30 a.m. 11:30 a.m. 2:00 p.m. 3:00 p.m. 3:30 p.m. 4:30 p.m. 9:00 a.m. 10:00 a.m. 9:00 a.m. 10:00 a.m. 11:00 a.m. 12:00 p.m. 1:30 p.m. 2:30 p.m. 3:30 p.m. 4:30 p.m. One-on-One Meetings with a Fidelity representative Fidelity representatives will be available to meet one-on-one with participants on campus during and after the transition. During the transition (June 5 through July 2), representatives can provide education on the available investment options and beneficiary designations. Post-transition, expected to be the week of July 16, 2017, a representative can meet with you to help you review your account balances, investment options, and initiate Plan transactions. Schedule a one-on-one meeting online at getguidance.fidelity.com or by calling Fidelity at 800-642-7131. Appointments must be scheduled at least 24 hours in advance of your desired appointment date. 17

Frequently Asked Questions Here are some frequently asked questions. Please go to myrochealth.com/benefits for additional FAQs. Q1. What is a blackout date and why is there one? Will I be losing market gains? A1. Most service providers need a period of time where no new transactions are processed prior to the full transfer of all plan assets to another service provider. This transaction blackout is set by both the transferring service provider and the receiving service provider. The blackout allows for all transactions to settle and for the service provider to prepare their system for the full transfer. Your account will remain invested through June 30, 2017, and will be liquidated at the close of the business day. On Monday, July 3, 2017, the proceeds will be sent to Fidelity, where they will be invested in a money market fund until the final conversion data is received by Fidelity, processed and audited. Your transferred balance will then be invested into your investment election on file at Fidelity. The blackout is expected to end the week of July 16, 2017. Q2. What if I am retiring around the time of the transition? A2. You should know that you will not be able to direct changes in your investments or take distributions from your account during the blackout period. If you will need funds from your account during the blackout period, you should request a distribution from your account prior to the transaction blackout start. Q3. What will happen to my account balances? A3. All account balances in the United Memorial Medical Center 403(b) Plan, Rochester General Health System 403(b) Plan, Clifton Springs Hospital & Clinic 401(k) Plan, and Unity Health System 401(k) and 403(b) Plans will transition to the Rochester Regional Health 401(k) or 403(b) Plan. Please note: Account balances in the Clifton Springs Hospital & Clinic 403(b) Plan will not transfer to Fidelity. Clifton Springs Hospital & Clinic employees are encouraged to save in the plan that contains a match provision, the Clifton Springs Hospital & Clinic 401(k) plan. As such, payroll deferrals to the Clifton Springs Hospital & Clinic 403(b) Plan will no longer be available effective July 1, 2017. Q4. How will my money be transferred (mapped) over to Fidelity? A4. You must make an investment election at Fidelity to direct where you wish your account balances to be transferred. If you do not make investment choices during the transition period (between June 5, 2017 and July 2, 2017), your current account balances and future contributions will be directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. 18

Q5. What if I still have an account with a former service provider (e.g. Voya, Prudential, Merrill Lynch)? A5. These accounts will not be affected by this transition; your account will remain with that same service provider. Q6. What will happen to my current contribution amount? A6. All pretax salary deferrals will continue. Your elected deferral amount will transfer to Fidelity. Beginning the week of July 16, 2017, you can log on to NetBenefits at fidelity.com/atwork to make any deferral changes. If you currently have a flat dollar amount contribution, that amount will be converted to a percentage deferral amount. Q7. What will happen to my current fund allocations? A7. Your current fund allocations will not transfer to Fidelity. Plan participants will have an opportunity to direct their assets to the newly streamlined fund line-up between June 5, 2017 and July 2, 2017. If a participant does not make an active election, all assets will be directed to the Plan s default investment option, the Vanguard Target Retirement Fund Institutional Shares. Q8. If I am currently invested in a fund that carries a surrender charge, will I have to pay it? A8. No. As part of this transition, Rochester Regional Health will bear all surrender charges at the time of the fund transfer. Q9. What if I don t want to move my money to Fidelity? Can I leave it with my current service provider? A9. No. The current service provider will no longer be an option to invest participant plan account balances. Q10. Do I have to sign any paperwork to move my money to Fidelity? A10. No. This transition does not require you to complete any paperwork for the transfer to Fidelity to occur. Q11. Can I take a distribution from my current service provider? A11. Withdrawals from the current plan(s) are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have severe financial hardship as defined by your plan. Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. Contact your current service provider prior to the blackout to determine if a distribution option is available. 19

Q12. If I am currently invested in a self-directed brokerage account, what will happen to my assets? A12. The self-directed brokerage feature will no longer be available once the transition is complete. Participants with a Schwab PCRA account with Transamerica or VALIC will have until 4 p.m. EST on June 15, 2017, to liquidate their Schwab PCRA holdings and transfer the assets to a core investment option. Any assets remaining in the Schwab PCRA after June 15, 2017, will be liquidated at the direction of Rochester Regional Health and will be moved to a money market fund by June 22, 2017. A separate notice will be sent to Schwab PCRA participants with further instructions. Q13. What are the IRS contribution limits? A13. The IRS contribution limit is $18,000 for 2017. If you will be at least age 50 during the year, the Plan allows you to defer an additional $6,000 as catch-up contributions, for an annual total of $24,000. Q14. Can I move money from another retirement plan into my account? A14. You can consolidate your account balance from a former employer s plan into your 401(k) or 403(b) Plan. Bringing all your accounts together makes it easier to manage your money to meet your savings goals. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. Q15. Can I make withdrawals from my account? A15. Withdrawals from the Rochester Regional Health 401(k) and 403(b) Plan(s) are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have severe financial hardship as defined by your Plan(s). Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. 20

Q16. What happens to my loan payments to my current service provider? A16. All outstanding loans (with the exception of loans held at VALIC) will transfer to Fidelity. As part of the transition, there are several changes to your outstanding loan. Employees with a loan will receive a separate letter in July with instructions on how to set up direct payment to Fidelity. 1) Your loan payments must be made using the Automated Clearing House (ACH) service, which deducts the payment from your personal bank account or credit union account Once the blackout period has ended, you will be required to set up your bank account information with Fidelity. 2) Loan payments will be re-amortized to a monthly payment amount. The first monthly payment will be due in August 2017. When the blackout period has ended, your loan repayment amount and payoff information will be available on Fidelity NetBenefits at fidelity.com/atwork or by calling Fidelity at 800-343-0860. 3) Loan payments will be allocated according to your investment elections on file at Fidelity. If no investment election exists, payments will be directed to the Plan s default fund with a target retirement date closest to the year in which you will reach the normal retirement age of 65. 21

Transition Readiness Checklist This checklist is intended to provide you with a step-by-step guide to help you during this transition. Action When What o Get the facts about the transition. May 31, 2017, through June 8, 2017. Attend a Town Hall meeting or Walk-in Session. See the Informational Sessions on pages 16-17. o Set up your Fidelity NetBenefits account access. June 5, 2017, and beyond. Select Register online at fidelity.com/atwork and follow the prompts to create a username and password. o Make investment elections and designate beneficiaries with Fidelity. June 5, 2017, through July 2, 2017. Log on to NetBenefits at fidelity.com/atwork or call the Retirement Service Center at 800-343-0860. o Schedule an on-site appointment for one-on-one assistance (optional). May 31, 2017, and beyond. Register online at getguidance.fidelity.com or by calling Fidelity at 800-642-7131. Appointments must be scheduled at least 24 hours in advance of your desired appointment date. o Complete any final transactions with your current service provider before the blackout period begins. No later than June 16, 2017, for all Unity accounts at VALIC (paper transactions only). No later than June 20, 2017, for all United Memorial Medical Center accounts at BPAS. No later than June 22, 2017, for all Unity accounts at Transamerica. Contact your current service provider to make any changes to your current account. See the Activity Calendar on pages 10-15 for details. BPAS: 866-401-5272 www.bpas.com Transamerica: 800-755-5801 www.trsretire.com 22 No later than June 23, 2017, for all Unity accounts at VALIC. No later than June 23, 2017, for all Rochester General accounts at MetLife. No later than June 23, 2017, for all Clifton Springs Hospital & Clinic 401(k) accounts at Genesee Valley Trust. VALIC: 800-448-2542 www.valic.com MetLife: 800-543-2520 www.mlr.metlife.com Genesee Valley Trust: 800-716-3742 www.geneseevalleytrust.com

Action When What o Access Fidelity services after the blackout period ends. Make updates to your Plan account. Review your account balances. Enroll. Change your deferral percent. Make exchanges between investments. Week of July 16, 2017. Log on to NetBenefits at fidelity.com/atwork or call the Retirement Service Center at 800-343-0860. See the Activity Calendar on pages 10-15. Request a loan or distribution, if needed. Go mobile; see back cover page for details. How to access your new 401(k) or 403(b) Plan account on NetBenefits: A Fidelity account will be established for you. You may access your account online at fidelity.com/atwork or by calling Fidelity. Log on to the home page. If you have a username and password for other account at Fidelity, you can use that information to access your account. If you do not have a Fidelity username and password, select Register at the top of the page, and follow the step-by-step instructions to set up your account access. After login, select Investment Performance & Research from the Quick Links to view investment information. How to contact the service providers for the 401(k) and 403(b) plans. BPAS: 866-401-5272 Transamerica: 800-755-5801 VALIC: 800-448-2542 MetLife: 800-543-2520 Genesee Valley Trust: 800-716-3742 Fidelity Investments: 800-343-0860 www.bpas.com www.trsretire.com www.valic.com www.mlr.metlife.com www.geneseevalleytrust.com www.fidelity.com/atwork 23

Download the 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 Rochester Regional Health 401(k) and 403(b) Plans, and the Plan documents will govern in the event of any discrepancies. The Plans are intended to be participant-directed plans as described in Section 404(c) of ERISA, which means that fiduciaries of the Plans are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary. Fidelity Brokerage Services LLC, Member NYSE, SIPC 900 Salem Street, Smithfield, RI 02917 2017 FMR LLC. All rights reserved. 799056.1.0