When the market closes on Tuesday, December 31, 2024, at 4 p.m. ET, several investment options offered through the Plan will no longer be available. As a result, current account balances and future contributions will transfer to the new investment options on January 2, 2025. Once the blackout period has ended, expected to be during the week of January 19, 2025, all services will be available, including the ability to make investment changes within your account.

EXISTING INVESTMENT OPTION WITH TRANSAMERICA AS OF DECEMBER 31, 2024, AT 4 P.M. ET	TICKER		NEW INVESTMENT OPTION WITH FIDELITY, EFFECTIVE JANUARY 2, 2025	TICKER
American Funds EuroPacific Growth Fund Class R-5	RERFX	►	American Funds EuroPacific Growth Fund® Class R-6	RERGX
Dodge & Cox Income Fund Class I	DODIX	►	Dodge & Cox Income Fund Class X	DOXIX

 

How PortfolioXpress will transfer

When the market closes on Tuesday, December 31, 2024, the Transamerica PortfolioXpress investment option offered through the Plan will no longer be available. The American Funds Target Date Retirement Fund^® Class R-6 will be the new Qualified Default Investment Alternative (QIDA) in the Plan, as described on the Investment Options tab.

As a result, current account balances will transfer as they are invested on December 31, 2024. During the transition, the balances transferred from PortfolioXpress will be reallocated to the an American Funds Target Date Retirement Fund^® Class R-6 as soon as administratively feasible, which is expected to be on or about January 15, 2025. Your account statement will show two transactions: the PortfolioXpress account balance transfer on December 31, 2024, and an exchange of your balance to an American Funds Target Date Retirement Fund^® Class R-6 in January.

Please refer to the Target Date Funds section above to determine in which American Funds Target Date Retirement Fund^® Class R-6 applicable account balances and future contributions will be invested.

Once the blackout period has ended, expected to be during the week of January 19, 2025, all Plan services will be available at Fidelity, including the ability to make investment exchanges within your account.

How the Transamerica Guaranteed Interest Option will transfer

The Transamerica Guaranteed Interest Option will be frozen as of 4 p.m. ET on Monday, December 23, 2024. This means no new contributions will be allowed into the fund after this date. Beginning with the first pay period in January 2025, future contributions and elections previously directed to the Transamerica Guaranteed Interest Option will be invested in the Lincoln Stable Value Account.

While new money cannot be added to the funds remaining in the Transamerica Guaranteed Interest Option, through Fidelity, you will be able to view and exchange your balance out of the option to another investment offered by the Plan at any time. Assets that remain in the Transamerica Guaranteed Interest Option will transfer to the Lincoln Stable Value Account later in 2025. You will be notified before the transfer takes place.

Self-directed brokerage transferring to Fidelity BrokerageLink^®

When the market closes at 4 p.m. ET on Monday, December 23, 2024, self-directed brokerage at Charles Schwab will no longer be available. As a result, your current account balances and future contributions held in self-directed brokerage will transfer to Fidelity BrokerageLink® on or about January 2, 2025.

You will receive a separate communication with the details on your brokerage account transfer.

Fidelity^® Personalized Planning & Advice

Nemours has teamed up with Fidelity to offer a managed account service. It’s a way to help you get, and stay, on course toward your retirement goals. With Fidelity^® Personalized Planning & Advice, you get active retirement account management. This means that Fidelity’s team of investment professionals invest, monitor, and rebalance your account as needed to adjust to changes in the market, or changes to your situation.

Fidelity Representatives are available to answer any questions you may have about this managed account service. Call 866-811-6041 for more information.

Fidelity^® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers and Fidelity Investments companies and may be referred to as “Fidelity,” “we,” or “our” within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee, which will be paid from your account.

Transfer of your existing managed account participation at Transamerica

Fidelity^® Personalized Planning & Advice will replace the managed account service at Transamerica as the managed account service in your Plan. If you are currently enrolled in the managed account service at Transamerica, you will receive additional information after the transition to Fidelity is complete. Your investment options and future contribution investment elections at Transamerica will transfer to Fidelity and be invested according to how the underlying investment options will transfer. Once your enrollment in Fidelity Personalized Planning & Advice is complete, your account will be rebalanced to the investment mix that is suggested by the service.

Investment options that are not changing

The current investment options listed below will remain in the Plan. Any balances you have invested in these options as of December 31, 2024, will transfer to the same funds (referred to as an “in-kind” transfer). Future contributions will continue to be invested in these funds.

INVESTMENT OPTION	TICKER
Allspring Special Small Cap Value Fund—Class Inst	ESPNX
Carillon Eagle Mid Cap Growth Fund Class I	HAGIX
DFA Emerging Markets Portfolio Institutional Class	DFEMX
Fidelity® 500 Index Fund	FXAIX
Fidelity® Inflation-Protected Bond Index Fund	FIPDX
Fidelity® Mid Cap Index Fund	FSMDX
Fidelity® Small Cap Index Fund	FSSNX
Fidelity® Total International Index Fund	FTIHX
Fidelity® U.S. Bond Index Fund	FXNAX
MFS Growth Fund Class R3	MFEHX
MFS Mid Cap Value Fund Class R3	MVCHX
MFS International Equity Fund Class R6	MIEIX
Vanguard Equity-Income Fund Admiral Shares	VEIRX