Changes to the OhioHealth Retirement Savings Plan

March 2019 Re: Changes to the investments in the OhioHealth Retirement Savings Plan on April 30, 2019 Dear Associate: OhioHealth is committed to periodically reviewing the OhioHealth Retirement Savings Plan to make sure it continues to help you meet your retirement and financial goals. Among the things considered are the range of investment options available through the Plan, investment option performance and value, and whether the Plan gives you access to services that complement your account. In addition, OhioHealth is focused on keeping your investment fees competitive. As a result of a recent review, OhioHealth is making changes to the OhioHealth Retirement Savings Plan s investment lineup to help lower overall investment cost for associates. The changes described on the following pages will take place without any action required on your part. However, if you are not satisfied with how your current investment elections will be modified, you will have the opportunity to make changes. Changes to the OhioHealth Retirement Savings Plan Investment Share Changes the potential for lower overall investment cost for associates. Effective April 30, 2019, some of the Plan s funds are transitioning to a different share class. As a result, the fund codes, ticker symbols, and ratios will change. The new share class will offer the same investment strategy and risk, but the overall s will change. Except for the change of the Vanguard Index Fund Shares to the Vanguard Index Fund Plus Shares, the ratios for the funds in the new share classes will be higher prior to considering the availability of the revenue rate described below that we believe may result in lower overall investment cost for associates. A quarterly revenue may be allocated to your account if you hold one of these investments during the prior quarter. Revenue s may help reduce your overall net cost to invest through the plan. The represents the allocation of a portion of the revenue associated with the fund(s), based in part on your average daily balance in the fund(s). Revenue s are associated with some, not all, of the investment options in your plan. Review the chart below to determine which funds have revenue s associated with them. The information in this chart is provided as of February 15, 2019. The ratios for the new funds in the chart below, along with the revenue program, are designed to keep your costs to investment through the plan reasonable and competitive, based on OhioHealth s research and oversight. 1

HERE S HOW THE FUNDS WILL TRANSFER TO THEIR NEW SHARE CLASSES If you are invested in any of the funds that are moving to a new share class, expect your account statement to show an exchange according to the following table. The transfer will take place after 4 p.m. Eastern time on April 30, 2019. Share American Funds EuroPacific Growth Fund R-6 Ticker: RERGX Artisan Small Cap Fund Shares Ticker: APHSX Invesco Diversified Dividend Fund R6 Ticker: LCEFX Metropolitan West Total Return Bond Fund Plan Ticker: MWTSX Principal Diversified Real Asset Fund R-6 Ticker: PDARX Victory Integrity Small-Cap Value Fund R6 Ticker: MVSSX gross ratio 1 net ratio (A) 2 revenue (B) estimated net cost to invest 3 (A-B) 0.49% 0.49% 0.00% 0.49% 1.01% 1.01% 0.00% 1.01% 0.44% 0.42% 0.00% 0.42% 0.37% 0.37% 0.00% 0.37% 0.82% 0.79% 0.00% 0.79% 0.95% 0.95% 0.00% 0.95% Share American Funds EuroPacific Growth Fund R-5 Ticker: RERFX Artisan Small Cap Fund Investor Shares Ticker: ARTSX Invesco Diversified Dividend Fund R5 Ticker: DDFIX Metropolitan West Total Return Bond Administrative Ticker: MWTNX Principal Diversified Real Asset Fund Ticker: PDRDX Victory Integrity Small-Cap Value Fund Y Ticker: VSVIX gross ratio 1 net ratio (C) 2 revenue (D) estimated net cost to invest 3 (C-D) 0.53% 0.53% 0.05% 0.48% 1.21% 1.21% 0.40% 0.81% 0.54% 0.52% 0.35% 0.17% 0.78% 0.78% 0.50% 0.28% 0.95% 0.85% 0.10% 0.75% 1.12% 1.12% 0.25% 0.87% The change from the Vanguard Index Fund Shares to the Vanguard Index Fund Plus Shares will result in a lower ratio. See below. Share Vanguard Index Fund Shares Ticker: VINIX gross ratio 1 net ratio (A) 2 revenue (B) estimated net cost to invest (A-B) 3 0.04% 0.04% 0.00% 0.04% Share Vanguard Index Fund Plus Shares Ticker: VIIIX gross ratio 1 net ratio (C) 2 revenue (D) estimated net cost to invest (C-D) 3 0.02% 0.02% 0.00% 0.02% 2

ly, only one investment in the Plan lineup provides a revenue, the Harbor Capital Appreciation Fund. The revenue currently provided by the Harbor Capital Appreciation Fund is 0.10%. No changes will be made to the Harbor Capital Appreciation Fund. Share gross ratio 1 net ratio 2 (A) revenue (B) estimated net cost to invest (A-B) 3 Harbor Capital Appreciation Fund Ticker: HACAX 0.71% 0.66% 0.10% 0.56% 1 For a mutual fund, the and gross ratio is the total annual fund or class operating s (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund s total net assets. Expense ratios change periodically and are drawn from the fund s prospectus. For more detailed fee information, see the fund prospectus or annual or semiannual reports. 2 and net ratio after deduction is the total annual operating from the fund s most recent prospectus after any fee waiver and/or reimbursements that will reduce any fund operating s for no less than one year from the effective date of the fund s registration statement. This number does not include any fee waiver arrangement or reimbursement that may be terminated without agreement of the fund s board of trustees during the one-year period. 3 The estimated net cost to invest includes the fund s ratio, less the amount of revenue allocated to your account, if any. It does not include the recordkeeping fee. Expense information as of February 15, 2019. The rate does not reduce the gross or net ratio of the investment option. Important Note The estimated net cost to invest is for illustrative purposes only; your costs and s are based on your actual investments in the Plan. Expense ratios shown are based on the fund s most recent fiscal year end. You ll be eligible to receive a revenue if you have been invested in one of the funds in the chart at any time during the relevant quarter and have a balance in the plan at the time the is allocated. The will be allocated to your account and reinvested in the same fund that generated the. If you no longer hold the fund at the time of the allocation, the amount will be invested according to your current investment mix. You will see the amount listed as a Revenue Credit on your Fidelity statement and in your account transaction history online at NetBenefits.com/OhioHealth. Although fees and s are common considerations in choosing investment options, it is important to also consider other crucial factors, such as time horizon, risk tolerance, and financial situation, when deciding on an investment mix that s right for you. Additional Information The dates shown are based on the timing and accuracy of a variety of factors, including the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the dates and timing, including the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. Important Note If You Use Automatic Rebalance If your existing Automatic Rebalance election includes an old investment option(s), your Automatic Rebalance election will automatically be updated to replace the old investment option(s) with the new investment option(s). 3

MOST IMPORTANT! Fidelity Is Here to Help Ask Us Anything These changes are complicated. If you have questions or need assistance with the Automatic Rebalance feature, log on to Fidelity NetBenefits at NetBenefits.com/OhioHealth or call 800-642-7131, Monday through Friday, between 8 a.m. and midnight Eastern time. Here are other resources available to help you understand the changes occurring on April 30, 2019 Planning & Guidance Center Visit the Planning & Guidance Center for help creating an investment mix for your goals. By answering just a few questions, you ll be able to compare investment options for your portfolio and learn more about selecting a target asset mix based on your time horizon and risk tolerance. Get investment support within the Planning & Guidance Center at www.netbenefits.fidelity.com/planningcenter. Increase your knowledge to make more-informed decisions Learn more about investing and retirement by watching the Take the First Step to Investing workshop online. This workshop will help you understand key investing concepts, common investment types, how to select a mix of different investments that aligns with your goals, the benefits of investing in your workplace savings plan, and how to choose your investment approach. View online starting at https://www.brainshark.com/fidelityemg/startinvesting. Call 800-642-7131 or visit www.fidelity.com/atwork/reservations to schedule a one-on-one consultation where you work. Need in-person help? Visit the Columbus Investor Center at 1324 Polaris Parkway, Columbus, OH 43240, Monday Friday, 8:30 a.m. 5 p.m. Investor Center products and services are offered beyond those of your employer-sponsored retirement plan. Go Paperless Tired of mailbox clutter? You can significantly reduce paper mail by providing us your email address and updating your mail preferences to electronic delivery. Log on to Fidelity NetBenefits at NetBenefits.com/OhioHealth and go to Your Profile. Investment Option Descriptions American Funds EuroPacific Growth Fund R-5 Ticker: RERFX Gross ratio: 0.53% as of 06/01/2018 Objective: The investment seeks long-term growth of capital. Strategy: The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for aboveaverage capital appreciation. It normally will invest at least 80% of its net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in emerging markets. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, 4

market, economic or other developments. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. 05/15/2002. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 04/16/1984, adjusted to reflect the fees and s of this share class (when this share class's fees and s are higher.) Please refer to a fund's prospectus for information regarding fees and s. These adjusted historical returns are not actual Artisan Small Cap Fund Investor Shares Ticker: ARTSX Gross ratio: 1.21% as of 02/01/2018 Objective: The investment seeks maximum long-term capital growth. Strategy: The fund invests no less than 80% of its net assets plus any borrowings for investment purposes at market value at the time of purchase in the common stocks of small companies. It defines a small company as one with a market capitalization less than three times the weighted average market capitalization of companies in the Russell 2000 Index. Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and with smaller companies. The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. Invesco Diversified Dividend Fund R5 Ticker: DDFIX Gross ratio: 0.54% as of 02/28/2018 Objective: The investment seeks long-term growth of capital and, secondarily, current income. Strategy: The fund invests primarily in dividend-paying equity securities. It invests in securities that the portfolio managers believe are undervalued based on various valuation measures. The fund may invest up to 25% of its net assets in securities of foreign issuers. Risk: Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is comfortable with the volatility of large-cap stocks and value-style investments. 10/25/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/31/2001, adjusted to reflect the fees and s of this share class (when this share class's fees and s are higher.) Please refer to a fund's prospectus for information regarding fees and s. These adjusted historical returns are not actual 5

Metropolitan West Total Return Bond Administrative Ticker: MWTNX Gross ratio: 0.78% as of 07/27/2018 Objective: The investment seeks to maximize long-term total return. Strategy: The fund pursues its objective by investing, under normal circumstances, at least 80% of its net assets in investment grade fixed income securities or unrated securities that are determined by the Adviser to be of similar quality. Up to 20% of the fund's net assets may be invested in securities rated below investment grade. The fund also invests at least 80% of its net assets plus borrowings for investment purposes in fixed income securities it regards as bonds. Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price; Someone who is seeking to diversify an equity portfolio with a more conservative investment option. 12/18/2009. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/31/1997, adjusted to reflect the fees and s of this share class (when this share class's fees and s are higher.) Please refer to a fund's prospectus for information regarding fees and s. These adjusted historical returns are not actual Principal Diversified Real Asset Fund Ticker: PDRDX Gross ratio: 0.95% as of 06/15/2018 Objective: The investment seeks a long-term total return in excess of inflation. Strategy: Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in investments related to real assets and real asset companies. It seeks to achieve its investment objective by allocating its assets among general investment categories related to real assets and real asset companies (which include tangible assets and investments that are expected to perform well in periods of rising or high inflation). Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and and default risks for both issuers and counterparties. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking to invest in a fund that invests in both domestic and international stocks and bonds; Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing to accept the potentially greater volatility of the foreign bond and stock markets. Vanguard Index Fund Plus Shares Ticker: VIIIX Gross ratio: 0.02% as of 04/26/2018 Objective: The investment seeks to track the performance of a benchmark index that measures the investment return of largecapitalization stocks. Strategy: The fund employs an indexing investment approach designed to track the performance of the Standard & Poor's 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks 6

can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. 07/07/1997. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 07/31/1990, adjusted to reflect the fees and s of this share class (when this share class's fees and s are higher.) Please refer to a fund's prospectus for information regarding fees and s. These adjusted historical returns are not actual Victory Integrity Small-Cap Value Fund Y Ticker: VSVIX Gross ratio: 1.12% as of 11/01/2017 Objective: The investment seeks to provide long-term capital growth. Strategy: The adviser pursues the fund's investment objective by investing, under normal circumstances, at least 80% of the fund's assets in equity securities (i.e., common stocks, preferred stocks, convertible securities and rights and warrants) of smallcapitalization companies. Small-capitalization companies mean those companies with market capitalizations within the range of companies included in the Russell 2000 Index. Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Who may want to invest: Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smaller companies. The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. 07/07/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/30/2004, adjusted to reflect the fees and s of this share class (when this share class's fees and s are higher.) Please refer to a fund's prospectus for information regarding fees and s. These adjusted historical returns are not actual 7

Glossary of Terms Fund fee ( ratio) This is the fee a fund charges for investment management, accounting, custody, compliance, shareholder communications, and other activities associated with the day-to-day operation of the fund. A fund s fee is charged as a percentage of the fund s assets and is called the fund s ratio. You don t pay fund fees directly. Instead, the fund s fee is deducted from the fund s assets, reducing the fund s return. Fund fees can vary widely and may change over time, depending in part on the type of fund, its management, and the risks and complexities of the fund s strategy. In some cases, an offset arrangement may exist with the plan for a specific fund, which may reduce the overall cost to invest through the plan. Investment management fee This is the fee a fund pays to its investment manager for buying and selling securities, including transaction costs for trading of the fund s assets. Plan s These are the costs incurred by your plan for recordkeeping, administration, tax reporting, compliance, communications, and other activities associated with the plan s day-to-day operations. Recordkeeping fee This is a flat fee of $58.00 per year deducted quarterly charged to associate accounts. The fee covers the plan s and will be listed on associate account statements under Administrative Fees in the Account Summary section. Recordkeeping services These are the recordkeeping, phone support, accounting, and other services Fidelity provides for your plan. Revenue This is a quarterly that may be allocated to your account based on the investments you hold. Revenue s may help reduce your overall net cost to invest through the plan. A revenue represents a portion of the revenue associated with a specific fund, based in part on your average daily balance in the fund. The amount you receive is based on the amount you have invested in the fund. Revenue s are associated with some, not all, of the investment options in your plans, so make sure you understand which funds offer a and which don t. For example, if you have a balance of $5,000 in a fund in each quarter that provides an annual revenue of 0.20%, you will receive a $2.50 quarterly in your account (.002 x $5,000/4), $10 annual. That will be reinvested in the fund and will be shown on your account statement. The revenue is discretionary. The plan may change or terminate the or its amount at any time, which would affect the estimated net investment costs shown in this brochure. Share class A mutual fund may offer more than one class of its shares to investors. Each share represents a proportionate amount of ownership in the mutual fund s portfolio. Each share class may have a different ratio, which is directly tied to how the fund is purchased by the investor. Some share classes are available only to large institutional investors. Before investing in any mutual fund, consider the investment objectives, risks, charges, and s. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Investing involves risk, including risk of loss. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 2019 FMR LLC. All rights reserved. 874704.1.0 8