NETBENEFITS^® WEBSITE

www.netbenefits.com/atwork

Access to Fidelity’s comprehensive website dedicated to retirement planning. Manage your account, make investment choices, and find interactive tools to help you better prepare to meet your retirement savings goals.

THE NETBENEFITS^® MOBILE APP

Get instant access to balances, investments, educational resources and more.

FIDELITY BROKERAGELINK^®

Gives you access to additional investment choices for your retirement savings beyond those investment options available in the standard Plan lineup.

REBALANCE NOTIFICATION

Get notified via email any time your account’s investment mix strays from your original strategy.

ACCOUNT STATEMENTS

Your final account statement from EPIC Retirement Plan Services will be sent in late January 2025.

Your first quarterly statement from Fidelity will be available online in February 2025. Compare Fidelity’s statement with your final account statement from EPIC Retirement Plan Services and contact Fidelity with any questions.

LOANS

Loans through the plan will no longer be repaid through payroll deduction. Any outstanding loan balances in the Plan will transfer to Fidelity and will be repaid with a monthly deduction from your bank account via the automated clearing house (ACH). Carle Health payroll deduction of loan payments will end Dec. 20, 2024.

Fidelity will recalculate your loan to absorb any payments that were skipped due to the transition. It is important to note that this may cause your monthly payment to increase.

Once the transition is complete, you will receive a notice with directions to arrange for your monthly recurring payments to be deducted from your bank account. The transition will not affect the terms or length of your loan(s).

BENEFICIARY DESIGNATIONS

Beneficiary information currently on file with EPIC Retirement Plan Services will not transfer to Fidelity. Once the transition is complete, please log on to NetBenefits at www.netbenefits.com/atwork or call Fidelity at (800) 343-0860 to designate your beneficiary.

PAYROLL CONTRIBUTIONS

 Your pretax and/or Roth contributions deducted from your pay in effect before Dec. 24, 2024, will   continue and transfer to Fidelity. It is important to note that deferral changes made after the   transition is complete will take 1 to 2 payrolls to take effect.

MATCHING CONTRIBUTIONS

Carle Health will continue to match 100% up to 3% of deferrals you contribute to the Plan and also may make a discretionary annual contribution of 5% to your Plan account.

VESTING

You are always 100% vested in your own contributions and any employer contributions to your Plan account(s), as well as any earnings on them.

INSTALLMENT AND REQUIRED MINIMUM DISTRIBUTION (RMD) PAYMENTS

If you are currently receiving installment payments or required minimum distributions (RMDs) from your Plan at EPIC Retirement Plan Services, these payments will transfer to Fidelity. If your installment payment or RMD is scheduled to be paid to you during the quiet period, it will be processed at EPIC Retirement Plan Services in advance of the quiet period.