Get to know your retirement plan!

Get to know your retirement plan! The ABM 401(k) Employee Savings Plan Planning and investing for retirement can help you pursue a more secure financial future for yourself and your family. That s why we are pleased to offer the ABM 401(k) Employee Savings Plan (the Plan ). The Plan is a simple, effective way to defer current taxes and invest for the future. Please review this information about the Plan. Then, whenever you re ready, take the next step and enroll. How you can benefit Company match ABM will match a portion of your contributions to the Plan. It s like being paid to participate! Tax advantages Your contributions are deducted from your paycheck on a pre-tax basis, which means you may reduce your current taxable income.* Diverse investment menu You can choose from a variety of investment options to create a portfolio appropriate for your retirement goals. Advice Access If you would like investment guidance for your Plan investments, Advice Access can recommend how much to contribute and how to invest your contributions to help you pursue your goals. Get started now! With Express Enrollment you just: 1. Log on 2. Choose your contribution rate 3. Submit your enrollment Benefits OnLine www.benefits.ml.com Questions? Retirement & Benefits Contact Center 888.221.9867 See pages 2 and 6 for more information. * Taxes are due upon withdrawal. You may also be subject to a 10% additional federal tax if you take a withdrawal from the Plan prior to age 59½. Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other affiliates of Bank of America Corporation (BofA Corp.). MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Plan highlights Eligibility You are able to enroll in the ABM 401(k) Employee Savings Plan if you: Have completed six months of full-time employment; Are not covered by a collective bargaining agreement; and Are not eligible to participate in the ABM 401(k) Employee Savings Plan II. Your participation can begin on the first of the month following six months of service, or the first of any subsequent month as soon as administratively practicable. Enrollment You may enroll in the Plan on Benefits OnLine at www.benefits.ml.com or by calling the Retirement & Benefits Contact Center at 888.221.9867. As part of the enrollment process, you will need to complete a beneficiary form on Benefits OnLine. Contributions You may contribute up to 50% of your eligible compensation (as described in the Plan) from your paycheck on a pre-tax basis, up to the IRS maximum pre-tax contribution limit. That limit is $18,000 in 2017. You can change your contribution rate at any time on Benefits OnLine or by calling the Retirement & Benefits Contact Center. Company matching contributions ABM will match 100% of the first 3% and 50% of the next 2% of your eligible compensation that you contribute. To receive the maximum company match of 4%, you would need to contribute 5% of your eligible compensation. You do not need to be employed at year-end to receive this match. Catch-up contributions If you are age 50 or older during the calendar year and make the Plan or IRS maximum allowable pre-tax contribution to the Plan, you may be eligible to make an additional catch-up contribution. The maximum catch-up contribution is $6,000 in 2017. The catch-up contribution rate election is separate from the pre-tax contribution rate election. Saver s tax credit If you make contributions to the Plan, you may be eligible to receive a tax credit of up to 50% on the first $2,000 you contribute. This saver s tax credit can directly reduce the amount of federal income tax you pay each year. The amount of the credit depends on several factors, including the amount you contribute to the Plan, your adjusted gross income for the year, and your tax filing status. However, if you qualify, this credit is allowed in addition to the other tax benefits you may receive by contributing to the Plan. For more information or to see if you qualify for this tax-saving feature, consult a tax advisor. Rollovers Rollovers from another tax-qualified retirement plan, of pre-tax contributions from a 403(b) tax-deferred arrangement, or of pre-tax contributions from a government 457 plan may be accepted by the Plan. But after-tax contributions are not eligible to be rolled over into the Plan. Be sure to consider the advantages and disadvantages of a rollover before initiating one. Vesting Your right to your account balance is called vesting. You are always 100% vested in your pre-tax contributions, any amounts you roll over to the Plan and the ABM matching contributions, adjusted for any earnings or losses. Investment direction When you enroll, you can give investment directions for your Plan account in one of two ways: 1. You decide. Select from the individual investment choices provided under the Plan, in any allocation you choose. 2. Get guidance. Use the Advice Access service and receive specific, personalized investment recommendations to help you pursue your retirement income goals. There is no additional charge for this service. If you do not make an investment election, your contributions will automatically be invested in the age-appropriate Manning & Napier Target Date Collective Investment Trusts The chart on the next page lists the Manning & Napier Target Date Collective Investment Trusts as well as the other investment choices available to you. For more information on target date funds and how they can help you invest for retirement, see page 4. As a Plan participant, you may change the way your future contributions are invested as frequently as once each business day. In addition, you may transfer your account balance from one investment option to another once each business day (subject to certain restrictions). These transactions may be made by contacting Merrill Lynch. 2

Your investment options Here is a list of the investment options in the Plan, along with their classification by Lipper, Inc. and symbol (for publicly traded funds). For information about the investment options, including performance data and mutual fund prospectuses, visit Benefits OnLine at www.benefits.ml.com or call Merrill Lynch at 888.221.9867. Investment option Lipper classification Symbol AllianzGI NFJ Small-Cap Value Fund (R6) Small-Cap Value Funds ANFVX American Funds EuroPacific Growth Fund (R6) International Large-Cap Growth RERGX BlackRock High Yield Bond Portfolio Fund (I) High Yield Funds BHYIX Delaware Diversified Income Fund (I) Multi-Sector Income Funds DPFFX Dreyfus/Standish Global Fixed Income Fund (Y) Global Income Funds DSDYX Franklin Small Cap Growth Fund (R6) Small-Cap Growth Funds FSMLX Invesco Growth & Income Fund (R6) Large-Cap Value Funds GIFFX Invesco International Growth Fund (R5) International Large-Cap Growth AIEVX JPMorgan Mid Cap Value Fund (L) Multi-Cap Core Funds FLMVX Manning & Napier Retirement Target Income Collective Investment Trust (U1) 1,2 Mixed-Asset Target Today Funds N/A Manning & Napier Retirement Target 2015 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2015 Funds N/A Manning & Napier Retirement Target 2020 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2020 Funds N/A Manning & Napier Retirement Target 2025 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2025 Funds N/A Manning & Napier Retirement Target 2030 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2030 Funds N/A Manning & Napier Retirement Target 2035 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2035 Funds N/A Manning & Napier Retirement Target 2040 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2040 Funds N/A Manning & Napier Retirement Target 2045 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2045 Funds N/A Manning & Napier Retirement Target 2050 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2050 Funds N/A Manning & Napier Retirement Target 2055 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2055+ Funds N/A Manning & Napier Retirement Target 2060 Collective Investment Trust (U1) 1,2,3 Mixed-Asset Target 2055+ Funds N/A MFS International New Discovery Fund (R4) International Small/Mid-Cap Growth MIDJX Northern Trust Collective S&P 500 Index Fund -DC-Non-Lending (Tier 2) 2, 4 S&P 500 Index Funds N/A Northern Trust Ultra Short Fixed Income Fund Ultra-Short Obligations Funds NUSFX Oakmark International Fund (I) International Large-Cap Core OAKIX Oppenheimer Developing Markets Fund (I) Emerging Markets Funds ODVIX Pioneer Bond Fund (Y) Corporate Debt Funds A Rated PICYX Principal Real Estate Securities Fund (Institutional) Real Estate Funds PIREX Prudential Jennison Mid Cap Growth Fund (Z) Mid-Cap Growth Funds PEGZX State Street Russell Large Cap Growth Index NL Series Fund (C) 2, 4 Large-Cap Growth Funds N/A 1 As a fund of funds this fund, as a shareholder of underlying mutual funds, will indirectly bear its pro rata share of the expenses incurred by the underlying funds. 2 This investment option is not a mutual fund, registered under the Investment Company Act of 1940. A prospectus is not available and shares are not publicly traded or listed on exchanges. 3 The target date for this fund is the approximate date when an investor plans to start withdrawing his or her money. The principal value of this fund is not guaranteed at any time, including at the target date. This fund is designed to become more conservative over time as the target date approaches. 4 It is not possible to invest directly in an index. 3

About the Manning & Napier Target Date Collective Investment Trusts The Plan offers a series of target date funds from Manning & Napier that are designed to make age-based investing easy. Each target date fund includes a mix of investments that might be appropriate for investors planning to retire or begin withdrawing their money close to a specified target date. And each fund is adjusted along the way to become more conservative more in bonds and less in stocks as that target date approaches. If you think one of these target date funds is appropriate for you, you would generally pick the fund with the date in the title closest to the year you would expect to retire, or begin taking the money from your account. When considering a target date fund, it s important to understand that the principal value of these funds is not guaranteed at any time, including at the target date. Loans, withdrawals and distributions You will be permitted to borrow against your vested Plan account balance, subject to certain maximum/minimum limits. You may have only one loan outstanding at any time. A nonrefundable, one-time loan initiation fee (currently $55) will apply to each loan you take. Please consider the advantages and disadvantages before requesting a loan. While the Plan is intended to help you accumulate the assets you will need for your retirement, you can withdraw funds prior to your separation from service if you experience an extreme financial hardship, as defined by the Plan. Such a withdrawal would require you to stop making contributions to the Plan for at least six months following receipt of the hardship withdrawal. You may receive a distribution of your account balance following your separation from service due to retirement, termination of employment, total and permanent disability, or death (paid to your beneficiary). With certain exceptions, a distribution can be rolled over from the Plan to an IRA or another employer s plan that accepts rollovers, which can provide for continued deferral of taxes. You have choices for what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information about loans, withdrawals or distributions, visit Benefits OnLine, call the Retirement & Benefits Contact Center or review your Summary Plan Description. Taxation of withdrawals and distributions Taxes are due upon withdrawal or distribution. You may also be subject to a 10% additional federal tax if you take a withdrawal or distribution prior to age 59½. Investing involves risk, including the possible loss of principal. Investments in foreign securities or sector funds, including technology or real estate stocks, are subject to substantial volatility due to adverse political, economic or other developments and may carry additional risk resulting from lack of industry diversification. Funds that invest in small- or mid-capitalization companies experience a greater degree of market volatility than those of large-capitalization stocks and are riskier investments. Bond funds have the same interest rate, inflation, and credit risks associated with the underlying bonds owned by the fund. Generally, the value of bond funds rises when prevailing interest rates fall and falls when interest rates rise. Investing in lowergrade debt securities ( junk bonds) may be subject to greater market fluctuations and risk of loss of income and principal than securities in higher rated categories. There are ongoing fees and expenses associated with investing. Bear in mind that higher return potential is accompanied by higher risk. Investors should consider the investment objectives, risks, charges and expenses of investment options carefully before investing. This, and additional information about the investment options, can be found in the prospectuses and, if available, the summary prospectuses, which can be obtained on Benefits OnLine at www.benefits.ml.com or by calling Merrill Lynch at 888.221.9867. Investors should read the prospectuses and, if available, the summary prospectuses carefully before investing. For more information about the investment options that are not mutual funds (non-registered investments), refer to the fund description or fact sheet, if available. 4

Advice Access Advice Access can make your investment decisions easier and guide you in developing your personal retirement plan. Advice Access can provide answers to several key questions: How much do I need for retirement? How much should I contribute to my 401(k) plan? How should I invest my money? How should I withdraw my retirement assets? Am I on track with my goals? Advice Access has answers: specific answers, tailored to your personal financial situation. The service is easy to use, it s personalized, and it can automate your retirement plan strategy. And it s available at no additional cost to you. How Advice Access works The process starts with basic information such as your age, gender, salary and, if applicable, 401(k) account balance and contribution rate, along with projections about your retirement age and the amount of income you may need in retirement. In fact, you ll see your projected retirement income on Benefits OnLine as soon as you log in. If you want, you can provide more information on a confidential basis about your financial goals, savings and investment accounts outside your 401(k) plan, and family details. The more information you provide, the more personalized your Advice Access recommendations will be. To learn more about Advice Access, visit Benefits OnLine after the transition. Once you log in, just click Get started now under the Your Retirement Income Projection chart on the My Accounts page. What Advice Access can do for you Recommend a contribution rate Recommend specific investments Consider your personal financial situation Consider changes in your financial situation Consider your savings and other investments outside the Plan Review and reallocate your account on a regular basis Rebalance your account on a regular basis Recommend a strategy for withdrawing your retirement assets See it in action Watch a short video to see how Advice Access can help you develop your personal retirement plan. go.ml.com/we7w The Advice Access service uses a probabilistic approach to determine the likelihood that you may be able to achieve your stated goal and/or to identify a potential wealth outcome that could be realized. Additionally, the recommendations provided by Advice Access may include a higher level of investment risk than you may be personally comfortable with. You are strongly advised to consider your personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Advice Access. You should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Advice Access disclosure statement. It can be obtained through Benefits OnLine or through a participant service representative. IMPORTANT: The projections or other information shown in the Advice Access service regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. 5

Easy enrollment and account access Accessing your account is easy, day or night, online or by telephone, no matter where you are. You can access information about your account, learn more about the Plan, perform transactions, and get the assistance you need to help plan for your future. Benefits OnLine: www.benefits.ml.com Log on to Benefits OnLine to change your investment direction, transfer funds, view mutual fund prospectuses, and much more. To get started: Visit www.benefits.ml.com. Click the Create your User ID now link at the left of the screen. Follow the prompts to create your User ID and Password. Retirement & Benefits Contact Center: 888.221.9867 The Retirement & Benefits Contact Center offers you the choice of using the speech-enabled Interactive Voice Response (IVR) system or speaking directly with a participant service representative. Interactive Voice Response (IVR) System Available virtually 24 hours a day, seven days a week. The speech-enabled IVR allows you to make your selections simply by speaking your request. Participant Service Representatives Available Monday through Friday, from 8 a.m. to 7 p.m. Eastern, on all days the New York Stock Exchange is open. You will need your Social Security number and either a Password or PIN to use the Interactive Voice Response (IVR) telephone system. If you have set up your Password on Benefits OnLine, this Password will be used for the website and the IVR, replacing the PIN. Otherwise, you will use a PIN for the IVR. Telecommunications Device for the Deaf (TDD): 866.657.3323 Available Monday through Friday, from 8 a.m. to 7 p.m. Eastern, on all days the New York Stock Exchange is open. Managing your account You will receive an account statement every quarter. The statement shows your account balance, as well as any contributions and investment gains or losses credited to your account during the reporting period. For your convenience, account statements and confirmations are also available online. If you would like to eliminate hard copy mailings altogether, visit Benefits OnLine to choose Online Delivery. With online delivery, you ll receive e-mail notifications when your statements and transaction confirmations are ready for viewing online. Benefits OnLine Mobile www.benefits.ml.com On the go? When you log into Benefits OnLine from your smartphone or tablet, the site recognizes that you re using a mobile device. You can take many of the same actions on Benefits OnLine Mobile, and there s a link to the full site on the login screen. 6

Benefits OnLine: Find it fast! It s easy to enroll in the Plan and manage your account through Benefits OnLine. To get started, visit www.benefits.ml.com and click the link on the left side of the screen to create your User ID. The table below offers tips for reviewing your account information, performing key tasks and accessing useful information and resources through the site. If you want to Enroll in the Plan Take this step Click Enroll in Your Plan in the Action Center on the My Accounts page Review the Plan s investment choices Change how your account balance is invested Change how your future contributions will be invested Calculate your take-home pay with different contribution rates Change your contribution rate Click 401(k) Plan > Investments, then: Click Investment Choices & Performance to see the choices available in the Plan Click the name of a fund for more information about it Click 401(k) Plan > Investments, then: Select the Fund Transfer drop-down Follow the prompts to choose which investment(s) to sell and buy Click 401(k) Plan > Investments, then: Select the Investment Direction drop-down Click Change Investments Click 401(k) Plan > Current Elections, then: Select the Contribution Rates drop-down, then Change Contribution Rates Enter your salary and payroll frequency Move the slider to estimate how different contribution rates may affect your take-home pay Follow the steps under Calculate your take-home pay above; then click Continue and follow the instructions to confirm your change View the online account access guide: go.ml.com/accessguide Online resources for your financial health The Benefits OnLine Education Center offers a variety of resources designed to help you build a firmer foundation for your financial life. Whether it s managing debt, developing a budget, saving for the goals that matter to you or making smart, informed financial decisions, these resources can help you take charge of your financial life. Visit www.education.ml.com. Need help with investing? Making investment decisions can be a challenge. Merrill Lynch can help you understand your options so you can make the choices that are right for you: go.ml.com/cvfc 7

This material is only a general outline of the Plan. You are encouraged to read the Summary Plan Description to obtain more detailed information regarding the Plan s operation. This document gives you information you need to make educated decisions about joining the Plan and maintaining a Plan account. If a provision described in this outline differs from the applicable provision of the Plan documents, the Plan documents prevail. Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Benefits OnLine and PersonalManager are registered trademarks of Bank of America Corporation. 2017 Bank of America Corporation. All rights reserved. ARXQSVW9 20171938-1 05/2017