A move like this takes time. We’ll do the heavy lifting for you—transferring your account balance(s), your contribution rate and investment elections, and any loans you may have. However, there will be a short quiet period when you will not be able to make changes to your account(s) while it’s being transferred to Fidelity. To ensure that all information is transferred accurately from your current Plan account(s) at EPIC Retirement Plan Services to your new Plan account(s) at Fidelity, there will be a period of time when you will be unable to direct or diversify investments in your individual accounts or obtain a loan or distribution from the Plans.

This time, during which you will be unable to exercise your rights otherwise available under the Plans, is called a “quiet period.” The quiet period will begin at noon CT on Dec. 24, 2024, and is expected to end during the week of Jan. 26, 2025. During this time, you can determine whether the quiet period has started or ended by contacting Fidelity Retirement Service Center at (800) 343-0860.

Because you will be unable to direct or diversify your Plans’ balances during the quiet period, it is very important that you review and consider the appropriateness of your current investments. 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.

You should be aware that there is a risk to holding substantial portions of your account in the securities of any one company, as individual securities tend to have wider price swings, up and down, in short periods of time, than investments in diversified funds. Stocks that have wide price swings might have a large loss during the quiet period, and you would not be able to direct the sale of such stocks from your account during the quiet period.

Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this quiet period may affect your retirement planning and your overall financial plan.

If you have any questions concerning this notice, you should contact the Fidelity Retirement Service Center at P.O. Box 770002, Cincinnati, OH 45277, or by calling (800) 343-0860.