Employee Benefits Comprehensive Guide 2019 by Valley View Foundation

EMPLOYEE BENEFITS COMPREHENSIVE GUIDE | 2019

TABLE OF CONTENTS

COMPLIANCE NOTICES CHIP Notice

Health Plan Notices

MEDICAL Summary of Benefits and Coverage

UMR Online Access

WellDyneRx Online Access

VISION VSP Vision Benefits Summary

FLEXIBLE SPENDING ACCOUNTS UMR Flexible Spending Account Online Access

Eligible FSA Expenses

LIFE AND AD&D Life and AD&D Summary of Benefits

LONG TERM DISABILITY Long Term Disability Summary of Benefits

LINCOLN FINANCIAL RESOURCES Life Services Website

Online Will Preparation

TravelConnect Services

SHORT TERM DISABILITY Short Term Disability Summary

Short Term Disability Details

Short Term Disability Maternity

ACCIDENT Accident Summary

Accident Details

CRITICAL CARE Critical Care Summary

Critical Care Details

LEGAL INSURANCE ARAG Legal Insurance Summary

AIR AMBULANCE MEMBERSHIP Classic Air Medical Membership Plan

EMPLOYEE ASSISTANCE PROGRAM Mines & Associates EAP Overview

Mines & Associates Legal and Financial Services

RETIREMENT Comparison of 403(b) and 401(a)

Voya 403(b) Enrollment Instructions

Voya Roth 403(b) Summary

Voya Online Access

Voya Retirement Contribution Changes

Voya 403(b) Enrollment Guide

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2018. Contact your State for more information on eligibility –

ALABAMA – Medicaid

FLORIDA – Medicaid

Website: http://myalhipp.com/ Phone: 1-855-692-5447

Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268

ALASKA – Medicaid

GEORGIA – Medicaid

The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.asp x

Website: http://dch.georgia.gov/medicaid - Click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507

ARKANSAS – Medicaid

INDIANA – Medicaid

Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone 1-800-403-0864

COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711

IOWA – Medicaid Website: http://dhs.iowa.gov/hawk-i Phone: 1-800-257-8563

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KANSAS – Medicaid

NEW HAMPSHIRE – Medicaid

Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512

Website: https://www.dhhs.nh.gov/ombp/nhhpp/ Phone: 603-271-5218 Hotline: NH Medicaid Service Center at 1-888-9014999

KENTUCKY – Medicaid

NEW JERSEY – Medicaid and CHIP

Website: https://chfs.ky.gov Phone: 1-800-635-2570

Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710

LOUISIANA – Medicaid

NEW YORK – Medicaid

Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447

MAINE – Medicaid

Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831

NORTH CAROLINA – Medicaid

Website: http://www.maine.gov/dhhs/ofi/publicassistance/index.html Phone: 1-800-442-6003 TTY: Maine relay 711

Website: https://dma.ncdhhs.gov/ Phone: 919-855-4100

MASSACHUSETTS – Medicaid and CHIP

NORTH DAKOTA – Medicaid

Website: http://www.mass.gov/eohhs/gov/departments/masshe alth/ Phone: 1-800-862-4840

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid / Phone: 1-844-854-4825

MINNESOTA – Medicaid

OKLAHOMA – Medicaid and CHIP

Website: https://mn.gov/dhs/people-we-serve/seniors/healthcare/health-care-programs/programs-andservices/other-insurance.jsp Phone: 1-800-657-3739

Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

MISSOURI – Medicaid

OREGON – Medicaid

Website: http://www.dss.mo.gov/mhd/participants/pages/hipp. htm Phone: 573-751-2005

Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075

MONTANA – Medicaid

PENNSYLVANIA – Medicaid

Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HI PP Phone: 1-800-694-3084

Website: http://www.dhs.pa.gov/provider/medicalassistance/he althinsurancepremiumpaymenthippprogram/index.ht m Phone: 1-800-692-7462

NEBRASKA – Medicaid

RHODE ISLAND – Medicaid

Website: http://www.ACCESSNebraska.ne.gov Phone: (855) 632-7633 Lincoln: (402) 473-7000 Omaha: (402) 595-1178

NEVADA – Medicaid Medicaid Website: https://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900

Website: http://www.eohhs.ri.gov/ Phone: 855-697-4347

SOUTH CAROLINA – Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820 Return to Table of Contents

WASHINGTON – Medicaid

SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059

Website: http://www.hca.wa.gov/free-or-low-costhealth-care/program-administration/premium-paymentprogram Phone: 1-800-562-3022 ext. 15473

TEXAS – Medicaid

WEST VIRGINIA – Medicaid

Website: http://gethipptexas.com/ Phone: 1-800-440-0493

Website: http://mywvhipp.com/ Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

UTAH – Medicaid and CHIP

WISCONSIN – Medicaid and CHIP

Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669

Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.p df Phone: 1-800-362-3002

WYOMING – Medicaid

VERMONT– Medicaid Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531

VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.coverva.org/programs_premium_assistance. cfm Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.coverva.org/programs_premium_assistance. cfm CHIP Phone: 1-855-242-8282

To see if any other states have added a premium assistance program since July 31, 2018, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137. OMB Control Number 1210-0137 (expires 12/31/2019)

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Valley View Hospital HEALTH PLAN NOTICES TABLE OF CONTENTS 1. 2. 3. 4. 5. 6.

Medicare Part D Creditable Coverage Notice HIPAA Comprehensive Notice of Privacy Policy and Procedures Notice of Special Enrollment Rights General COBRA Notice Notice of Right to Designate Primary Care Provider and of No Obligation for Pre-Authorization for OB/GYN Care Women’s Health and Cancer Rights Notice

IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan’s prescription drug coverage compares to Medicare Part D. If you or a covered family member is also enrolled in Medicare Parts A or B, but not Part D, you should read the Medicare Part D notice carefully. It is titled, “Important Notice From Valley View Hospital About Your Prescription Drug Coverage and Medicare.”

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MEDICARE PART D CREDITABLE COVERAGE NOTICE IMPORTANT NOTICE FROM VALLEY VIEW HOSPITAL ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Valley View Hospital and about your options under Medicare’s prescription drug coverage. This information can help you decide whether you want to join a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or your dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. Valley View Hospital has determined that the prescription drug coverage offered by the Valley View Hospital Employee Health Care Plan (“Plan”) is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is considered “creditable” prescription drug coverage. This is important for the reasons described below. ____________________________________________________________ Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare drug plan, as long as you later enroll within specific time periods. Enrolling in Medicare—General Rules As some background, you can join a Medicare drug plan when you first become eligible for Medicare. If you qualify for Medicare due to age, you may enroll in a Medicare drug plan during a seven-month initial enrollment period. That period begins three months prior to your 65th birthday, includes the month you turn 65, and continues for the ensuing three months. If you qualify for Medicare due to disability or end-stage renal disease, your initial Medicare Part D enrollment period depends on the date your disability or treatment began. For more information you should contact Medicare at the telephone number or web address listed below. Late Enrollment and the Late Enrollment Penalty If you decide to wait to enroll in a Medicare drug plan you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7. But as a general rule, if you delay your enrollment in Medicare Part D, after first becoming eligible to enroll, you may have to pay a higher premium (a penalty). If after your initial Medicare Part D enrollment period you go 63 continuous days or longer without “creditable” prescription drug coverage (that is, prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage), your monthly Part D premium may go up by at least 1 percent of the premium you would have paid had you enrolled timely, for every month that you did not have creditable coverage. For example, if after your Medicare Part D initial enrollment period you go 19 months without coverage, your premium may be at least 19% higher than the premium you otherwise would have paid. You may have to pay this higher premium for as long as you have Medicare prescription drug coverage. However, there are some important exceptions to the late enrollment penalty.

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Special Enrollment Period Exceptions to the Late Enrollment Penalty There are “special enrollment periods” that allow you to add Medicare Part D coverage months or even years after you first became eligible to do so, without a penalty. For example, if after your Medicare Part D initial enrollment period you lose or decide to leave employer-sponsored or union-sponsored health coverage that includes “creditable” prescription drug coverage, you will be eligible to join a Medicare drug plan at that time. In addition, if you otherwise lose other creditable prescription drug coverage (such as under an individual policy) through no fault of your own, you will be able to join a Medicare drug plan, again without penalty. These special enrollment periods end two months after the month in which your other coverage ends. Compare Coverage You should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. See the Valley View Hospital Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting us at the telephone number or address listed below. Coordinating Other Coverage With Medicare Part D Generally speaking, if you decide to join a Medicare drug plan while covered under the Valley View Hospital Plan due to your employment (or someone else’s employment, such as a spouse or parent), your coverage under the Valley View Hospital Plan will not be affected. For most persons covered under the Plan, the Plan will pay prescription drug benefits first, and Medicare will determine its payments second. For more information about this issue of what program pays first and what program pays second, see the Plan’s summary plan description or contact Medicare at the telephone number or web address listed below. If you do decide to join a Medicare drug plan and drop your Valley View Hospital prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage. For More Information About This Notice or Your Current Prescription Drug Coverage… Contact the person listed below for further information, or call 970-384-6921. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Valley View Hospital changes. You also may request a copy. For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage:  Visit www.medicare.gov.  Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help,  Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800772-1213 (TTY 1-800-325-0778).

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Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty). Date: Name of Entity/Sender: Contactâ&#x20AC;&#x201D;Position/Office: Address: Phone Number:

January 1, 2019 Joslyn Joannes HR Benefits Administrator 1906 Blake Avenue Glenwood Springs, CO 81601 970-384-6921

Nothing in this notice gives you or your dependents a right to coverage under the Plan. Your (or your dependentsâ&#x20AC;&#x2122;) right to coverage under the Plan is determined solely under the terms of the Plan.

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HIPAA COMPREHENSIVE NOTICE OF PRIVACY POLICY AND PROCEDURES VALLEY VIEW HOSPITAL IMPORTANT NOTICE COMPREHENSIVE NOTICE OF PRIVACY POLICY AND PROCEDURES THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. This notice is provided to you on behalf of: Valley View Hospital Comprehensive Health and Welfare Benefit Plan* * This notice pertains only to healthcare coverage provided under the plan. The Plan’s Duty to Safeguard Your Protected Health Information Individually identifiable information about your past, present, or future health or condition, the provision of health care to you, or payment for the health care is considered “Protected Health Information” (“PHI”). The Plan is required to extend certain protections to your PHI, and to give you this notice about its privacy practices that explains how, when, and why the Plan may use or disclose your PHI. Except in specified circumstances, the Plan may use or disclose only the minimum necessary PHI to accomplish the purpose of the use or disclosure. The Plan is required to follow the privacy practices described in this notice, though it reserves the right to change those practices and the terms of this notice at any time. If it does so, and the change is material, you will receive a revised version of this Notice either by hand delivery, mail delivery to your last known address, or some other fashion. This notice, and any material revisions of it, will also be provided to you in writing upon your request (ask your Human Resources representative, or contact the Plan’s Privacy Official, described below), and will be posted on any website maintained by Valley View Hospital that describes benefits available to employees and dependents. You may also receive one or more other privacy notices from insurance companies that provide benefits under the Plan. Those notices will describe how the insurance companies use and disclose PHI and your rights with respect to the PHI they maintain. How the Plan May Use and Disclose Your Protected Health Information The Plan uses and discloses PHI for a variety of reasons. For its routine uses and disclosures it does not require your authorization, but for other uses and disclosures, your authorization (or the authorization of your personal representative (e.g., a person who is your custodian, guardian, or has your power-of-attorney) may be required. The following offers more description and examples of the Plan’s uses and disclosures of your PHI. 

Uses and Disclosures Relating to Treatment, Payment, or Health Care Operations.

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Treatment: Generally, and as you would expect, the Plan is permitted to disclose your PHI for purposes of your medical treatment. Thus, it may disclose your PHI to doctors, nurses, hospitals, emergency medical technicians, pharmacists, and other health care professionals where the disclosure is for your medical treatment. For example, if you are injured in an accident, and it’s important for your treatment team to know your blood type, the Plan could disclose that PHI to the team in order to allow it to more effectively provide treatment to you.  Payment: Of course, the Plan’s most important function, as far as you are concerned, is that it pays for all or some of the medical care you receive (provided the care is covered by the Plan). In the course of its payment operations, the Plan receives a substantial amount of PHI about you. For example, doctors, hospitals, and pharmacies that provide you care send the Plan detailed information about the care they provided, so that they can be paid for their services. The Plan may also share your PHI with other plans in certain cases. For example, if you are covered by more than one health care plan (e.g., covered by this Plan and your spouse’s plan or covered by the plans covering your father and mother), we may share your PHI with the other plans to coordinate payment of your claims.  Health care Operations: The Plan may use and disclose your PHI in the course of its “health care operations.” For example, it may use your PHI in evaluating the quality of services you received or disclose your PHI to an accountant or attorney for audit purposes. In some cases, the Plan may disclose your PHI to insurance companies for purposes of obtaining various insurance coverages. However, the Plan will not disclose, for underwriting purposes, PHI that is genetic information. Other Uses and Disclosures of Your PHI Not Requiring Authorization. The law provides that the Plan may use and disclose your PHI without authorization in the following circumstances:  To the Plan Sponsor: The Plan may disclose PHI to the employers (such as Valley View Hospital) who sponsor or maintain the Plan for the benefit of employees and dependents. However, the PHI may only be used for limited purposes, and may not be used for purposes of employment-related actions or decisions or in connection with any other benefit or employee benefit plan of the employers. PHI may be disclosed to: the human resources or employee benefits department for purposes of enrollments and disenrollments, census, claim resolutions, and other matters related to Plan administration; payroll department for purposes of ensuring appropriate payroll deductions and other payments by covered persons for their coverage; information technology department, as needed for preparation of data compilations and reports related to Plan administration; finance department for purposes of reconciling appropriate payments of premium to and benefits from the Plan, and other matters related to Plan administration; internal legal counsel to assist with resolution of claim, coverage, and other disputes related to the Plan’s provision of benefits.  To the Plan’s Service Providers: The Plan may disclose PHI to its service providers (“business associates”) who perform claim payment and plan management services. The Plan requires a written contract that obligates the business associate to safeguard and limit the use of PHI.  Required by Law: The Plan may disclose PHI when a law requires that it report information about suspected abuse, neglect, or domestic violence, or relating to suspected criminal activity, or in response to a court order. It must also disclose PHI to authorities that monitor compliance with these privacy requirements.  For Public Health Activities: The Plan may disclose PHI when required to collect information about disease or injury, or to report vital statistics to the public health authority.  For Health Oversight Activities: The Plan may disclose PHI to agencies or departments responsible for monitoring the health care system for such purposes as reporting or investigation of unusual incidents.  Relating to Decedents: The Plan may disclose PHI relating to an individual’s death to coroners, medical examiners, or funeral directors, and to organ procurement organizations relating to organ, eye, or tissue donations or transplants. 

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For Research Purposes: In certain circumstances, and under strict supervision of a privacy board, the Plan may disclose PHI to assist medical and psychiatric research.  To Avert Threat to Health or Safety: In order to avoid a serious threat to health or safety, the Plan may disclose PHI as necessary to law enforcement or other persons who can reasonably prevent or lessen the threat of harm.  For Specific Government Functions: The Plan may disclose PHI of military personnel and veterans in certain situations, to correctional facilities in certain situations, to government programs relating to eligibility and enrollment, and for national security reasons. Uses and Disclosures Requiring Authorization: For uses and disclosures beyond treatment, payment, and operations purposes, and for reasons not included in one of the exceptions described above, the Plan is required to have your written authorization. For example, uses and disclosures of psychotherapy notes, uses and disclosures of PHI for marketing purposes, and disclosures that constitute a sale of PHI would require your authorization. Your authorization can be revoked at any time to stop future uses and disclosures, except to the extent that the Plan has already undertaken an action in reliance upon your authorization. Uses and Disclosures Requiring You to Have an Opportunity to Object: The Plan may share PHI with your family, friend, or other person involved in your care, or payment for your care. We may also share PHI with these people to notify them about your location, general condition, or death. However, the Plan may disclose your PHI only if it informs you about the disclosure in advance and you do not object (but if there is an emergency situation and you cannot be given your opportunity to object, disclosure may be made if it is consistent with any prior expressed wishes and disclosure is determined to be in your best interests; you must be informed and given an opportunity to object to further disclosure as soon as you are able to do so).

Your Rights Regarding Your Protected Health Information You have the following rights relating to your protected health information:  To Request Restrictions on Uses and Disclosures: You have the right to ask that the Plan limit how it uses or discloses your PHI. The Plan will consider your request, but is not legally bound to agree to the restriction. To the extent that it agrees to any restrictions on its use or disclosure of your PHI, it will put the agreement in writing and abide by it except in emergency situations. The Plan cannot agree to limit uses or disclosures that are required by law.  To Choose How the Plan Contacts You: You have the right to ask that the Plan send you information at an alternative address or by an alternative means. To request confidential communications, you must make your request in writing to the Privacy Official. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. The Plan must agree to your request as long as it is reasonably easy for it to accommodate the request.  To Inspect and Copy Your PHI: Unless your access is restricted for clear and documented treatment reasons, you have a right to see your PHI in the possession of the Plan or its vendors if you put your request in writing. The Plan, or someone on behalf of the Plan, will respond to your request, normally within 30 days. If your request is denied, you will receive written reasons for the denial and an explanation of any right to have the denial reviewed. If you want copies of your PHI, a charge for copying may be imposed but may be waived, depending on your circumstances. You have a right to choose what portions of your information you want copied and to receive, upon request, prior information on the cost of copying.  To Request Amendment of Your PHI: If you believe that there is a mistake or missing information in a record of your PHI held by the Plan or one of its vendors you may request in writing that the record be corrected or supplemented. The Plan or someone on its behalf will respond, normally within 60 days of receiving your request. The Plan may deny the request if it is determined that the PHI is: (i) correct and complete; (ii) not created by the Plan or its vendor and/or not part of the Plan’s or vendor’s

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records; or (iii) not permitted to be disclosed. Any denial will state the reasons for denial and explain your rights to have the request and denial, along with any statement in response that you provide, appended to your PHI. If the request for amendment is approved, the Plan or vendor, as the case may be, will change the PHI and so inform you, and tell others that need to know about the change in the PHI. To Find Out What Disclosures Have Been Made: You have a right to get a list of when, to whom, for what purpose, and what portion of your PHI has been released by the Plan and its vendors, other than instances of disclosure for which you gave authorization, or instances where the disclosure was made to you or your family. In addition, the disclosure list will not include disclosures for treatment, payment, or health care operations. The list also will not include any disclosures made for national security purposes, to law enforcement officials or correctional facilities, or before the date the federal privacy rules applied to the Plan. You will normally receive a response to your written request for such a list within 60 days after you make the request in writing. Your request can relate to disclosures going as far back as six years. There will be no charge for up to one such list each year. There may be a charge for more frequent requests.

How to Complain About the Plan’s Privacy Practices If you think the Plan or one of its vendors may have violated your privacy rights, or if you disagree with a decision made by the Plan or a vendor about access to your PHI, you may file a complaint with the person listed in the section immediately below. You also may file a written complaint with the Secretary of the U.S. Department of Health and Human Services. The law does not permit anyone to take retaliatory action against you if you make such complaints. Notification of a Privacy Breach Any individual whose unsecured PHI has been, or is reasonably believed to have been used, accessed, acquired or disclosed in an unauthorized manner will receive written notification from the Plan within 60 days of the discovery of the breach. If the breach involves 500 or more residents of a state, the Plan will notify prominent media outlets in the state. The Plan will maintain a log of security breaches and will report this information to HHS on an annual basis. Immediate reporting from the Plan to HHS is required if a security breach involves 500 or more people. Contact Person for Information, or to Submit a Complaint If you have questions about this notice please contact the Plan’s Privacy Official or Deputy Privacy Official(s) (see below). If you have any complaints about the Plan’s privacy practices, handling of your PHI, or breach notification process, please contact the Privacy Official or an authorized Deputy Privacy Official. Privacy Official The Plan’s Privacy Official, the person responsible for ensuring compliance with this notice, is: Joslyn Joannes HR Benefits Administrator 970-384-6921 Effective Date The effective date of this notice is: January 1, 2019.

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NOTICE OF SPECIAL ENROLLMENT RIGHTS VALLEY VIEW HOSPITAL EMPLOYEE HEALTH CARE PLAN If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). Loss of eligibility includes but is not limited to:     

Loss of eligibility for coverage as a result of ceasing to meet the plan’s eligibility requirements (e.g., divorce, cessation of dependent status, death of an employee, termination of employment, reduction in the number of hours of employment); Loss of HMO coverage because the person no longer resides or works in the HMO service area and no other coverage option is available through the HMO plan sponsor; Elimination of the coverage option a person was enrolled in, and another option is not offered in its place; Failing to return from an FMLA leave of absence; and Loss of eligibility under Medicaid or the Children’s Health Insurance Program (CHIP).

Unless the event giving rise to your special enrollment right is a loss of eligibility under Medicaid or CHIP, you must request enrollment within 30 days after your or your dependent’s(s’) other coverage ends (or after the employer that sponsors that coverage stops contributing toward the coverage). If the event giving rise to your special enrollment right is a loss of coverage under Medicaid or CHIP, you may request enrollment under this plan within 60 days of the date you or your dependent(s) lose such coverage under Medicaid or CHIP. Similarly, if you or your dependent(s) become eligible for a state-granted premium subsidy toward this plan, you may request enrollment under this plan within 60 days after the date Medicaid or CHIP determine that you or the dependent(s) qualify for the subsidy. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. To request special enrollment or obtain more information, contact: Joslyn Joannes HR Benefits Administrator 970-384-6921

* This notice is relevant for healthcare coverages subject to the HIPAA portability rules.

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GENERAL COBRA NOTICE

MODEL COBRA GENERAL NOTICE January 1, 2019 Re:

CONTINUATION COVERAGE RIGHTS UNDER COBRA

You are receiving this Notice of COBRA healthcare coverage continuation rights because you have recently become covered under one or more group health plans. The plan (or plans) under which you have gained coverage are listed at the end of this Form, and are referred to collectively as “the plan” except where otherwise indicated. This notice contains important information about your right to COBRA continuation coverage, which is a temporary extension of healthcare coverage under the plan. The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and/or to other members of your family who are covered under the plan when you and/or they would otherwise lose the group health coverage. This notice gives only a summary of your COBRA continuation coverage rights. This notice generally explains

COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. For more information about your rights and obligations under the plan and under federal law,

you should either review the plan’s Summary Plan Description or contact the Plan Administrator. In some cases the plan document also serves as the Summary Plan Description.

Note you may have other options available to you when you lose group health coverage. When you become eligible for

COBRA, you may also become eligible for other coverage options not provided by your employer that may cost less than COBRA continuation coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees.

COBRA Continuation Coverage and “Qualifying Events” COBRA continuation coverage is a continuation of plan coverage when coverage would otherwise end because of a life event known as a "qualifying event." Specific qualifying events are listed later in this notice. COBRA continuation coverage must be offered to each person who is a "qualified beneficiary." A qualified beneficiary is someone who will lose coverage under the plan because of a qualifying event. Depending on the type of qualifying event, employees, spouses of employees, and eligible children of employees may be qualified beneficiaries. Certain newborns, newly-adopted children and alternate recipients under qualified medical child support orders may also be qualified beneficiaries. This is discussed in more detail in separate paragraphs below. Under the plan, qualified beneficiaries who elect COBRA continuation coverage generally must pay for this continuation coverage. If you are a covered employee, you will become a qualified beneficiary if you lose your coverage under the plan because either one of the following qualifying events happens:

 Your hours of employment are reduced, or  Your employment ends for any reason other than your gross misconduct. If you are the spouse of a covered employee, you will become a qualified beneficiary if you lose your coverage under the plan because any of the following qualifying events happens:

   

Your spouse dies; Your spouse's hours of employment are reduced; Your spouse's employment ends for any reason other than his or her gross misconduct; Your spouse becomes enrolled in any part of Medicare (it is extremely rare for coverage of an employee’s dependents to be terminated on account of the employee’s Medicare enrollment); or  You become divorced or legally separated from your spouse. Note that if your spouse cancels your coverage in anticipation of a divorce or legal separation and a divorce or legal separation later occurs, then the divorce or legal separation will be considered a qualifying event even though you actually lost coverage earlier. If you notify the Plan Administrator or its

designee within 60 days after the divorce or legal separation and can establish that the employee canceled the coverage earlier in anticipation of the divorce or legal separation, then COBRA coverage may be available for a period after the divorce or legal separation (but not for the period between the date your coverage ended, and the

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date of divorce or legal separation). But you must provide timely notice of the divorce or legal separation to the Plan

Administrator or its designee or you will not be able to obtain COBRA coverage after the divorce or legal separation. See the rules in the box below, under the heading entitled, “Notice Requirements,” regarding the obligation to provide notice, and the procedures for doing so. Your covered eligible children will become qualified beneficiaries if they lose coverage under the plan because any of the following qualifying events happens:

   

The parent-employee dies; The parent-employee's hours of employment are reduced; The parent-employee's employment ends for any reason other than his or her gross misconduct; The parent-employee becomes enrolled in any part of Medicare (it is extremely rare for coverage of an employee’s dependents to be terminated on account of the employee’s Medicare enrollment);  The parents become divorced or legally separated; or  The child stops being eligible for coverage under the plan as an "eligible child."

Notice Requirements The plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator or its designee has been timely notified that a qualifying event has occurred. When the qualifying event is:

 the end of employment or reduction of hours of employment,  death of the employee, the employer (if the employer is not the Plan Administrator) must notify the Plan Administrator of the qualifying event within 30 days following the date coverage ends.

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IMPORTANT: For the other qualifying events (divorce or legal separation of the employee and spouse or an eligible child's losing eligibility for coverage as an eligible child), you or someone on your behalf must notify the Plan Administrator or its designee in writing within 60 days after the qualifying event occurs, using the procedures specified below. If these procedures are not followed or if the notice is not provided in writing to the Plan Administrator or its designee during the 60-day notice period, any spouse or eligible child who loses coverage will not be offered the option to elect continuation coverage.

NOTICE PROCEDURES: Any notice that you provide must be in writing. Oral notice, including notice by telephone, is not acceptable. You must mail, fax or hand-deliver your notice to the person, department, or firm listed below, at the following address: Joslyn Joannes HR Benefits Administrator 970-384-6921 1906 Blake Avenue Glenwood Springs, CO 81601 If mailed, your notice must be postmarked no later than the last day of the required notice period. Any notice you provide must state:  the name of the plan or plans under which you lost or are losing coverage,  the name and address of the employee covered under the plan,  the name(s) and address(es) of the qualified beneficiary(ies), and  the qualifying event and the date it happened. If the qualifying event is a divorce or legal separation , your notice must include a copy of the divorce decree or the legal separation agreement . There are other notice requirements in other contexts. See, for example, the discussion below under the heading entitled, “Duration of COBRA Coverage.” That explanation describes other situations where notice from you or the qualified beneficiary is required in order to gain the right to COBRA coverage. Once the Plan Administrator or its designee receives timely notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage for their spouses, and parents may elect COBRA continuation coverage on behalf of their children. For each qualified beneficiary who elects COBRA continuation coverage, COBRA continuation coverage will begin on the date that plan coverage would otherwise have been lost.. If you or

your spouse or eligible children do not elect continuation coverage within the 60-day election period described above, you will lose your right to elect continuation coverage.

Duration of COBRA Coverage COBRA continuation coverage is a temporary continuation of coverage. When the qualifying event is the death of the employee, enrollment of the employee in any part of Medicare, your divorce or legal separation, or an eligible child losing eligibility as an eligible child, COBRA continuation coverage lasts for up to 36 months. When the qualifying event is the end of employment or reduction of the employee's hours of employment, COBRA continuation coverage lasts for up to 18 months. There are three ways in which the period of COBRA continuation coverage can be extended…

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1. Disability extension of 18-month period of continuation coverage. If you or anyone in your family covered under the plan is determined by the Social Security Administration to be disabled as of the date of the qualifying event or at any time during the first 60 days of COBRA continuation coverage and you notify the Plan Administrator or its designee in writing and in a timely fashion , you and your entire family can receive up to an additional 11 months of COBRA continuation coverage, for a total maximum of 29 months.

You must make sure that the Plan Administrator or its designee is notified in writing of the Social Security Administration's determination within 60 days after (i) of the date of the determination or (ii) the date of the qualifying event or (iii) the date coverage is lost due to the qualifying event, whichever occurs last. But in any event the notice must be provided before the end of the 18-month period of COBRA continuation coverage. The plan requires you to follow the procedures specified in the box above, under the heading entitled “Notice Procedures.” In addition, your notice must include

 the name of the disabled qualified beneficiary,  the date that the qualified beneficiary became disabled, and  the date that the Social Security Administration made its determination. Your notice must also include a copy of the Social Security Administration’s determination. If these procedures are not

followed or if the notice is not provided in writing to the Plan Administrator or its designee within the required period, then there will be no disability extension of COBRA continuation coverage. 2. Second qualifying event extension of 18-month period of continuation coverage. If your family experiences another qualifying event while receiving COBRA continuation coverage, the spouse and eligible children in your family can get additional months of COBRA continuation coverage, up to a maximum of 36 months (including the initial period of COBRA coverage). This extension is available to the spouse and eligible children if, while they and the covered former employee are purchasing COBRA coverage, the former employee:

 dies,  gets divorced or legally separated. The extension is also available to an eligible child when that child stops being eligible under the plan as an eligible child.

In all of these cases, you must make sure that the Plan Administrator or its designee is notified in writing of the second qualifying event within 60 days after (i) the date of the second qualifying event or (ii) the date coverage is lost, whichever occurs last. The plan requires you to follow the procedures specified in the box above, under the heading entitled “Notice Procedures.” Your notice must also name the second qualifying event and the date it happened. If the second qualifying event is a divorce or legal separation, your notice must include a copy of the divorce decree or legal separation agreement. If these procedures are not followed or if the notice is not provided in writing to the Plan Administrator or its designee within the required 60-day period, then there will be no extension of COBRA continuation coverage due to the second qualifying event.

3. Medicare Extension for Spouse and Eligible Children. If a qualifying event that is a termination of employment or reduction of hours occurs within 18 months after the covered employee becomes entitled to any part of Medicare, then the maximum coverage period for the spouse and eligible children is 36 months from the date the employee became entitled to Medicare (but the covered employee’s maximum coverage period will be 18 months). Shorter Maximum Coverage Period for Health Flexible Spending Accounts The maximum COBRA coverage period for a health flexible spending arrangement (health “FSA”) maintained by the employer ends on the last day of the cafeteria or flexible benefits plan “plan year” in which the qualifying event occurred. In addition, if at the time of the qualifying event the employee has withdrawn (during the plan year) more from the FSA than the employee has had credited to the FSA, no COBRA right is available at all.

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OTHER RULES AND REQUIREMENTS Same Rights as Active Employees to Add New Dependents . A qualified beneficiary generally has the same rights as similarly situated active employees to add or drop dependents, make enrollment changes during open enrollment, etc. Contact the Plan Administrator for more information. See also the paragraph below titled, “Children Born or Placed for Adoption with the Covered Employee During COBRA Period,” for information about how certain children acquired by a covered employee purchasing COBRA coverage may actually be treated as qualified beneficiaries themselves. Be sure to promptly notify the Plan Administrator or

its designee if you need to make a change to your COBRA coverage. The Plan Administrator or its designee must be notified in writing within 30 days of the date you wish to make such a change (adding or dropping dependents, for example). See

the rules in the box above, under the heading entitled, “Notice Procedures,” for an explanation regarding how your notice should be made.

Children Born to or Placed for Adoption with the Covered Employee During COBRA Period. A child born to, adopted

by, or placed for adoption with a covered employee or former employee during a period of continuation coverage is considered to be a qualified beneficiary provided that, if the covered employee or former employee is a qualified beneficiary, the employee has elected COBRA continuation coverage for himself or herself. The child’s COBRA coverage begins when the child is enrolled in the plan, whether through special enrollment or open enrollment, and it lasts for as long as COBRA coverage lasts for other family members of the employee. To be enrolled in the plan, the child must satisfy the otherwise applicable plan eligibility requirements (for example, age requirements). Be sure to promptly notify the Plan Administrator or its designee if you

need to make a change to your COBRA coverage. The Plan Administrator or its designee must be notified in writing within 30 days of the date you wish to make such a change. See the rules in the box above, under the heading entitled, “Notice Procedures,” for an explanation regarding how your notice should be made.

Alternate Recipients Under Qualified Medical Child Support Orders . A child of the covered employee or former employee who is receiving benefits under the plan pursuant to a Qualified Medical Child Support Order (QMCSO) received by the Plan Administrator during the employee’s period of employment with the employer is entitled the same rights under COBRA as an eligible child of the covered employee, regardless of whether that child would otherwise be considered a dependent. Be sure to

promptly notify the Plan Administrator or its designee if you need to make a change to your COBRA coverage. The Plan Administrator or its designee must be notified in writing within 30 days of the date you wish to make such a change. See the rules in the box above, under the heading entitled, “Notice Procedures,” for an explanation regarding how your notice should be made.

Are there other coverage options besides COBRA Continuation Coverage? Yes, other coverage options not sponsored by your employer may be available. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at www.healthcare.gov.

If You Have Questions Questions concerning your plan or your COBRA continuation rights should be addressed to the contact or contacts identified below. For more information about your rights under ERISA, including COBRA, the Health Insurance Portability or Accountability Act (HIPAA), and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA's Web site at www.dol.gov/ebsa.”

Keep Your Plan Informed of Address Changes In order to protect your family's rights, you should keep the Plan Administrator or its designee informed of any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator or its designee.

Plan Contact Information Joslyn Joannes HR Benefits Administrator 1906 Blake Avenue Glenwood Springs, CO 81601 970-384-6921

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NOTICE OF RIGHT TO DESIGNATE PRIMARY CARE PROVIDER AND OF NO OBLIGATION FOR PRE-AUTHORIZATION FOR OB/GYN CARE Valley View Hospital Employee Health Care Plan generally allows the designation of a primary care provider. You have the right to designate any primary care provider who participates in our network and who is available to accept you or your family members. For information on how to select a primary care provider, and for a list of the participating primary care providers, contact the plan administrator at 970384-6921. For children, you may designate a pediatrician as the primary care provider. You do not need prior authorization from Valley View Hospital Employee Health Care Plan or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact the Valley View Hospital Employee Health Care Plan at: Joslyn Joannes HR Benefits Administrator 970-384-6921

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WOMEN’S HEALTH AND CANCER RIGHTS NOTICE Valley View Hospital Employee Health Care Plan is required by law to provide you with the following notice: The Women’s Health and Cancer Rights Act of 1998 (“WHCRA”) provides certain protections for individuals receiving mastectomy-related benefits. Coverage will be provided in a manner determined in consultation with the attending physician and the patient for:    

All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prostheses; and Treatment of physical complications of the mastectomy, including lymphedemas.

The Valley View Hospital Employee Health Care Plan provide(s) medical coverage for mastectomies and the related procedures listed above, subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply: Valley View Medical Plan Individual Deductible Employee + 1 Deductible Family Deductible Coinsurance

Valley View Facility and Providers $1,500

Roaring Fork Network Providers $1,500

Other Network Providers

Out-ofNetwork

$1,500

$3,000

$2,500

$5,000

$3,500

$7,000

10%

20%

50%

If you would like more information on WHCRA benefits, please refer to your Summary Plan Description or contact your Plan Administrator at:

Joslyn Joannes HR Benefits Administrator 970-384-6921

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Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services

UMR: VALLEY VIEW HOSPITAL: 7670-00-413037 001

Coverage Period: 01/01/2019 – 12/31/2019 Coverage for: Individual + Family | Plan Type: PPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit www.umr.com or by calling 1-800-826-9781. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at www.umr.com or call 1-800-826-9781 to request a copy. Important Questions What is the overall deductible?

Answers $1,500 person / $2,500 person + 1 / $3,500 family Valley View Hospital Facility Tier 1, Roaring Fork Network Providers Tier 2, Other Network Providers Tier 3 $3,000 person / $5,000 person + 1 / $7,000 family Non-network Providers Tier 4

Why this Matters: Generally, you must pay all the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible. This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/ You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services, excluding preventive services.

Are there services covered before you meet your deductible?

Yes. Preventive care services are covered before you meet your deductible.

Are there other deductibles for specific services?

Yes. Dental: $50 person / $150 family.

What is the out–of–pocket limit for this plan?

$4,500 person / $6,500 person + 1 / $9,500 family Valley View Hospital Facility Tier 1, Roaring Fork Network Providers Tier 2, Other Network Providers The out-of-pocket limit is the most you could pay in a year for covered services. Tier 3 If you have other family members in this plan, they have to meet their own out$5,500 person / $8,500 person + 1 / $11,500 family of-pocket limits until the overall family out-of-pocket limit has been met. Non-network Providers Tier 4

What is not included in the out–of–pocket limit?

Non-traditional care, infertility, dental services, penalties, premiums, balance billing charges, and health care this plan doesn’t cover.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Will you pay less if you use a network provider?

Yes. See www.umr.com or call 1-800-826-9781 for a list of network providers.

This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (a balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist?

No.

You can see the specialist you choose without a referral.

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All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. What You Will Pay Common Medical Event

If you visit a health care providerâ&#x20AC;&#x2122;s office or clinic

Services You May Need

Primary care visit to treat an injury or illness

$10 Copay per visit; Deductible Waived

Specialist visit

$15 Copay per visit; Deductible Waived

Preventive care/screening/ immunization

If you have a test

Valley View Hospital Facility Tier 1

Diagnostic test (x-ray, blood work)

No charge; Deductible Waived

Roaring Fork Network Providers Tier 2

Other Network Providers Tier 3

20% Coinsurance if services not $30 Copay per visit; available at Tier 1 or Tier 2; Deductible Waived 40% Coinsurance if services available at Tier 1 or Tier 2 $40 Copay per visit; Deductible Waived if services not $40 Copay per visit; available at Tier 1 Deductible Waived or Tier 2; 40% Coinsurance if services available at Tier 1 or Tier 2 No charge; Deductible Waived

No charge; Deductible Waived

Non-network Providers

Limitations, Exceptions, & Other Important Information

Tier 4

50% Coinsurance

None

50% Coinsurance

None

No charge; Deductible Waived; 20% Coinsurance if services available at Tier 1 or Tier 2

Not covered

You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for.

No charge; Deductible Waived

50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

None

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What You Will Pay Common Medical Event

If you need drugs to treat your illness or condition. More information about prescription drug coverage is available at WellDyneRx at 1-888-4792000 www.welldyner x.com

Services You May Need

Valley View Hospital Facility Tier 1

Imaging (CT/PET scans, MRIs)

No charge; Deductible Waived

Generic drugs

$5 copay/ prescription (30-day supply) $10 copay/ prescription (90-day supply)

Brand Formulary

$25 copay/ prescription (30-day supply) $50 copay/ prescription (90-day supply)

Brand Non-Formulary drugs

$40 copay/ prescription (30-day supply) $80 copay/ prescription (90-day supply)

Roaring Fork Network Providers Tier 2

Other Network Providers Tier 3

No charge; Deductible Waived

No charge; Deductible Waived; Not covered if services available at Tier 1 or Tier 2

Not available

$20 copay/ prescription (30-day supply)

$60 copay/ prescription (30-day supply)

$80 copay/ prescription (30-day supply)

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Non-network Providers

Limitations, Exceptions, & Other Important Information

Tier 4 50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

Services for Compass Peak and Mid Valley Imaging Center are excluded.

No coverage

Coverage is limited to prescription drug coverage at The Pharmacy at Valley View or a WellDyne Rx contracted pharmacy.

No coverage

Coverage is limited to a 30 day supply per prescription at The Pharmacy at Valley View or a WellDyneRx contracted pharmacy. 90 day supply at retail only available at The Pharmacy at Valley View. All specialty medications must be filled through The Pharmacy at Valley View (or if not available, through WellDyneRx, US Specialty Care).

What You Will Pay Common Medical Event

If you have outpatient surgery

If you need immediate medical attention

Services You May Need

Valley View Hospital Facility Tier 1

Roaring Fork Network Providers Tier 2

Facility fee (e.g., ambulatory surgery center)

10% Coinsurance

Not available

Physician/surgeon fees

No Charge, Deducible Waived

Emergency room care

No charge True ER; No charge; $150 Copay per Deductible Waived visit Non-true ER; Deductible Waived physician services

Emergency medical transportation

Not available

Urgent care

Not available

Other Network Providers Tier 3 20% Coinsurance; Not covered if services available at Tier 1 20% Coinsurance; Not covered if services available at Tier 1 or Tier 2

Non-network Providers Tier 4 50% Coinsurance; Not covered if services available at Tier 1 50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

Limitations, Exceptions, & Other Important Information

None

20% Coinsurance

20% Coinsurance True ER; 50% Coinsurance Non-true ER

Tier 3 deductible applies to Tier 4 benefits True ER; Copay may be waived if admitted

20% Coinsurance

None

$30 Copay per visit; 20% Coinsurance Deductible Waived

50% Coinsurance

None

50% Coinsurance; Not covered if services available at Tier 1

Preauthorization is required.

50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

None

Facility fee (e.g., hospital room)

10% Coinsurance

Not available

20% Coinsurance; Not covered if services available at Tier 1

Physician/surgeon fee

No charge; Deductible Waived

20% Coinsurance; Not covered if services available at Tier 1 or Tier 2

If you have a hospital stay

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What You Will Pay Common Medical Event

If you have mental health, behavioral health, or substance abuse needs

If you are pregnant

Services You May Need

Valley View Hospital Facility Tier 1

Roaring Fork Network Providers Tier 2

Other Network Providers Tier 3

Non-network Providers Tier 4

Outpatient services

$10 Copay per visit; Deductible Waived office visits; 10% Coinsurance other outpatient services

$30 Copay per visit; Deductible Waived 20% Coinsurance; office visits; Deductible Waived Not available other office visits outpatient services

50% Coinsurance; Deductible Waived office visits

Inpatient services

10% Coinsurance facility; No charge; Deductible Waived physician

Not available facility; No charge; Deductible Waived physician

20% Coinsurance Not covered if services available at Tier 1 or Tier 2

50% Coinsurance Not covered if services available at Tier 1 or Tier 2

Office visits

No charge; Deductible Waived

No charge; Deductible Waived;

Not covered

Childbirth/delivery professional services

No charge; Deductible Waived

20% Coinsurance; Not covered if services available at Tier 1 or Tier 2

50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

Not available

20% Coinsurance; Not covered if services available at Tier 1

50% Coinsurance; Not covered if services available at Tier 1

Childbirth/delivery facility services

10% Coinsurance

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Limitations, Exceptions, & Other Important Information

Up to 5 visits at no cost. 1800-873-7138 or visit www.minesandassociates.co m. Preauthorization is required for hospitalization.

Cost sharing does not apply to certain preventive services. Depending on the type of services, deductible, copayment or coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound).

What You Will Pay Common Medical Event

If you need help recovering or have other special health needs

If your child needs dental or eye care

Services You May Need

Valley View Hospital Facility Tier 1

Roaring Fork Network Providers Tier 2

Other Network Providers Tier 3

Non-network Providers

Limitations, Exceptions, & Other Important Information

Tier 4

Home health care

Not available

20% Coinsurance

50% Coinsurance

80 Maximum visits per calendar year; Preauthorization is required.

Rehabilitation services

$15 Copay per visit; Deductible Waived

$30 Copay per visit; Deductible Waived

20% Coinsurance; Not covered if services available at Tier 1 or Tier 2

50% Coinsurance; Not covered if services available at Tier 1 or Tier 2

Medical necessity will be reviewed after 20 visits.

Habilitation services

10% Coinsurance

Not covered

None

Skilled nursing care

Not available

20% Coinsurance

50% Coinsurance

120 Maximum days per calendar year; Preauthorization is required.

Durable medical equipment

Not available

20% Coinsurance

50% Coinsurance

Preauthorization is required, excluding braces and orthotics, over $1,500 or for rentals over $500 per month.

Hospice service

Not available

20% Coinsurance

50% Coinsurance

None

Childrenâ&#x20AC;&#x2122;s eye exam

Not covered

None

Childrenâ&#x20AC;&#x2122;s glasses

Not covered

None

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What You Will Pay Common Medical Event

Services You May Need

Children’s dental check-up

Valley View Hospital Facility Tier 1

Not available

Roaring Fork Network Providers Tier 2

Not available

Other Network Providers Tier 3 No charge; Deductible Waived

Limitations, Exceptions, & Other Important Information

Non-network Providers Tier 4

Coverage is limited to 2 routine oral exams per calendar year max. Additional frequency and age limits apply.

No charge; Deductible Waived

Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)  

Cosmetic surgery Long-term care

 

Non-emergency care when traveling outside the U.S. Routine eye care



Routine foot care

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)  

Acupuncture Bariatric surgery (covered employee only)

  

Chiropractic care Hearing aids (Tier 3 & Tier 4) Weight loss programs for morbid obesity

  

Infertility treatment Dental care Private Duty Nursing

Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is U.S. Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal or a grievance for any reason to your plan. Additionally, a consumer assistance program may help you file your appeal. A list of states with Consumer Assistance Programs is available at www.dol.gov/ebsa/healthreform and http://cciio.cms.gov/programs/consumer/capgrants/index.html. Return to Table of Contents

Does this plan Provide Minimum Essential Coverage? Yes If you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

Does this plan Meet the Minimum Value Standard? Yes If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace. Nondiscrimination Statement - Colorado: Your health plan complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-970-384-6921. CHÚ Ý: Nếu bạn nói Tiếng Việt, có các dịch vụ hỗ trợ ngôn ngữ miễn phí dành cho bạn. Gọi số 1-970-384-6921.

––––––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.––––––––––––––––––––––

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About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

Peg is Having a Baby

(9 months of in-network pre-natal care and a hospital delivery)  The plan's overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

$1,500 $15 10% 10%

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost

$12,840

In this example, Peg would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Peg would pay is

$1,500 $40 $900 $60 $2,500

Managing Joe’s type 2 Diabetes

(a year of routine in-network care of a wellcontrolled condition)  The plan's overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

$1,500 $15 10% 10%

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost In this example, Joe would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Joe would pay is

$7,460

$1,380 $590 $350 $55 $2,380

Mia’s Simple Fracture

(in-network emergency room visit and follow up care)  The plan's overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic tests (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost In this example, Mia would pay: Cost Sharing Deductibles Copayments Coinsurance What isn’t covered Limits or exclusions The total Mia would pay is

The plan would be responsible for the other costs of these EXAMPLE covered services. Return to Table of Contents

$1,500 $15 10% 10%

$2,010

$710 $110 $80 $0 $900

Valley View does not treat members differently because of sex, age, race, color, disability or national origin. If you think you were treated unfairly because of your sex, age, race, color, disability or national origin, you can you can file a grievance with the Compliance Officer in the Compliance Department: Compliance Officer Valley View Hospital 1906 Blake Avenue P.O. Box 1970 Glenwood Springs, Colorado 81601 (970) 384-7043 You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, the Compliance Officer is available to help you. You can also file a complaint with the U.S. Dept. of Health and Human Services. Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html. Phone: Toll-free 1-800-368-1019, 800-537-7697 (TDD) Mail: U.S. Dept. of Health and Human Services. 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C. 20201 We provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter. To ask for help, please call 1-970-945-6535TTY 711. ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Please call 1-970-945-6535]. ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al 1-970-945-6535 請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服務。請致電：1-970-945-6535。 XIN LƯU Ý: Nếu quý vị nói tiếng Việt (Vietnamese), quý vị sẽ được cung cấp dịch vụ trợ giúp về ngôn ngữ miễn phí. Vui lòng gọi 1-970-945-6535. 알림: 한국어(Korean)를 사용하시는 경우 언어 지원 서비스를 무료로 이용하실 수 있습니다. 1-970-945-6535번으로 전화하십시오. PAUNAWA: Kung nagsasalita ka ng Tagalog (Tagalog), may makukuha kang mga libreng serbisyo ng tulong sa wika. Mangyaring tumawag sa 1-970-945-6535. ВНИМАНИЕ: бесплатные услуги перевода доступны для людей, чей родной язык является русском (Russian). Позвоните по номеру 1-970-945-6535. .1-970-945-6535 ‫ الرجاء األتصال بـ‬.‫ فإن خدمات المساعدة اللغوية المجانية متاحة لك‬،)Arabic( ‫ إذا كنت تتحدث العربية‬:‫تنبيه‬ The plan would be responsible for the other costs of these EXAMPLE covered services. Return to Table of Contents

ATANSYON: Si w pale Kreyòl ayisyen (Haitian Creole), ou kapab benefisye sèvis ki gratis pou ede w nan lang pa w. Tanpri rele nan 1-970-945-6535. ATTENTION : Si vous parlez français (French), des services d’aide linguistique vous sont proposés gratuitement. Veuillez appeler le 1-970-945-6535. UWAGA: Jeżeli mówisz po polsku (Polish), udostępniliśmy darmowe usługi tłumacza. Prosimy zadzwonić pod numer 1-970-945-6535. ATENÇÃO: Se você fala português (Portuguese), contate o serviço de assistência de idiomas gratuito. Ligue para 1-970-945-6535. ATTENZIONE: in caso la lingua parlata sia l’italiano (Italian), sono disponibili servizi di assistenza linguistica gratuiti. Si prega di chiamare il numero 1-970-9456535. ACHTUNG: Falls Sie Deutsch (German) sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Rufen Sie 1-970-945-6535 an. 注意事項：日本語 (Japanese) を話される場合、無料の言語支援サービスをご利用いただけます。1-970-945-6535 にお電話ください。 .‫ خدمات امداد زبانی به طور رايگان در اختيار شما می باشد‬،‫) است‬Farsi( ‫ اگر زبان شما فارسی‬:‫توجه‬ .‫ تماس بگيريد‬1-970-945-6535 ध्यान दें : यदद आप ह द िं ी (Hindi) बोलते है, आपको भाषा सहायता सेबाएं, नन:शल् ु क उपलब्ध हैं। कृपया 1-970-945-6535 पर कॉल करें । CEEB TOOM: Yog koj hais Lus Hmoob (Hmong), muaj kev pab txhais lus pub dawb rau koj. Thov hu rau 1-970-945-6535. ចំណាប់អារម្មណ៍ៈ បបើសិនអ្នកនិយាយភាសាខ្មរម (Khmer)បសវាជំនួយភាសាបោយឥតគិតថ្លៃ គឺមានសំរាប់អ្នក។ សូម្ទូរស័ព្ទ បៅបេម 1-970-945-6535។ PAKDAAR: Nu saritaem ti Ilocano (Ilocano), ti serbisyo para ti baddang ti lengguahe nga awanan bayadna, ket sidadaan para kenyam. Maidawat nga awagan iti 1970-945-6535. DÍÍ BAA'ÁKONÍNÍZIN: Diné (Navajo) bizaad bee yániłti'go, saad bee áka'anída'awo'ígíí, t'áá jíík'eh, bee ná'ahóót'i'. T'áá shoodí kohjį' 1-970-945-6535 hodíilnih. OGOW: Haddii aad ku hadasho Soomaali (Somali), adeegyada taageerada luqadda, oo bilaash ah, ayaad heli kartaa. Fadlan wac 1-970-945-6535

The plan would be responsible for the other costs of these EXAMPLE covered services. Return to Table of Contents

Get all your answers quick and easy @ umr.com

Make umr.com your first stop You want managing your health care to be fast and easy, right? You got it. At umr.com, you’ll find everything you want to know – and need to do – as soon as you log in. No hassles. No waiting. Just the answers you’re looking for anytime, night or day!

Log in now to: View “MyTaskbar,” your personalized benefits to-do list Check your benefits and see what’s covered Look up what you owe and how much you’ve paid Find a doctor in your network Learn about medical conditions and treatment options Access tools and trusted resources to help you live a healthier life

Getting started If you already have an account, go to umr.com and click the Login/ Register button in the upper-right corner. If it’s your first time visiting us, click the Login/Register button in the upper-right corner to open an account. Make sure you have your ID card handy and follow the steps to get started.

WANT A QUICK TOUR? Use the QR code reader on your smart phone to watch a short video.

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Note: The images shown reflect available features within our desktop site. These features may or may not be available to all users, depending on your individual and/or company benefits.

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You don’t need a Ph.D. to understand your benefits We’ve made it easy to find the top things people want to know. Choose Benefits & coverage from myMenu to find out: • What health care services are covered? • W hat’s the cost difference between an in-network and out-of-network service? • W hat’s your deductible, and are you close to reaching it? • I s there a copayment for your office visit? If so, how much?

Did your dog eat your ID card? Fictionalized data

No worries. It’s easy to get a replacement online. Just click ID card from myMenu to see a copy of your card. With a couple more clicks you can have a new card mailed to your home. Can’t wait for the mailman? Print a temporary copy from our desktop site. Or, use your smart phone to view your ID card or fax a copy to your doctor’s office.

Buried in paperwork? A single click lets you track all your claims Check in at your convenience to see if a claim has been processed and what you might owe. To get more details on a specific claim, click view claim details or view EOB. This will tell you the type of services provided, the amount billed and the amount paid, if any, and whether there’s any action that needs to be taken before the claim can be processed. You can choose to receive a secure e-mail any time you have a new EOB. If you’re not ready to give up paper completely, you can print out copies from our claims center.

Don’t be surprised by unexpected costs • K now the price you’ll pay ahead of time. Search treatments or procedures in the Health cost estimator. • G et your in-network discount. Use Find a provider to look up doctors and facilities near you.

Helpful apps, calculators, videos and health information all in one place Choose Health center from the myMenu and select the tile shortcuts that interest you. • Online health information: up-to-date and ad-free • Our top picks for healthy eating and exercise • Free tools, apps and calculators © 2018 United HealthCare Services, Inc. UM0106-2PG 1118 (FS0737) No part of this document may be reproduced without permission. This content is provided for information only and is not to be considered medical advice. All decisions about medical care should be made by the doctor and patient. Always refer to the plan document for specific benefit coverage or call the toll-free member phone number on the back of your health plan ID card. UMR operates in accordance with medical privacy standards established by applicable federal and state laws. The screen shots shown are for illustrative purposes and use fictional data only.

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Life is better in focus. TM

Get access to the best in eye care and eyewear with VALLEY VIEW HOSPITAL and VSP® Vision Care. Why enroll in VSP? As a member, you’ll receive access to care from great eye doctors, quality eyewear, and the affordability you deserve, all at low out-of-pocket costs.

You’ll like what you see with VSP. Value and Savings. You’ll enjoy more value and low out-of-pocket costs. High Quality Vision Care. You’ll get great care from a VSP network doctor, including a WellVision Exam®—a comprehensive exam designed to detect eye and health conditions. Plus, when you see a VSP network doctor, your satisfaction is guaranteed. Choice of Providers. The decision is yours to make—with the largest national network of private-practice doctors, it's easy to find the in-network doctor who's right for you. Great Eyewear. It’s easy to find the perfect frame at a price that fits your budget.

Using your VSP benefit is easy. Create an account at vsp.com. Once your plan is effective, review your benefit information. Find an eye doctor who’s right for you. Visit vsp.com or call 800.877.7195. At your appointment, tell them you have VSP. There’s no ID card necessary. If you’d like a card as a reference, you can print one on vsp.com. That’s it! We’ll handle the rest—there are no claim forms to complete when you see a VSP provider.

Choice in Eyewear From classic styles to the latest designer frames, you’ll find hundreds of options. Choose from featured frame brands like bebe, CALVIN KLEIN, 1 Cole Haan, Flexon®, Lacoste, Nike, Nine West, and more. Visit vsp.com to find a Premier Program location that carries these brands. Plus, save up to 2 40% on popular lens enhancements. Prefer to shop online? Check out all of the brands at eyeconic.com®, VSP's preferred online eyewear store.

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Enroll in VSP today. You'll be glad you did. Contact us. 800.877.7195 vsp.com

Your VSP Vision Benefits Summary VALLEY VIEW HOSPITAL and VSP provide you with an affordable eyecare plan.

VSP Provider Network: VSP Choice Benefit

Description

Copay

Frequency

Your Coverage with a VSP Provider WellVision Exam

Focuses on your eyes and overall wellness

Prescription Glasses

$10

Every 12 months

$25

See frame and lenses

Frame

$130 allowance for a wide selection of frames $150 allowance for featured frame brands 20% savings on the amount over your allowance

Included in Prescription Glasses

Every 24 months

Lenses

Single vision, lined bifocal, and lined trifocal lenses Polycarbonate lenses for dependent children

Included in Prescription Glasses

Every 12 months

Lens Enhancements

Standard progressive lenses Premium progressive lenses Custom progressive lenses Average savings of 20-25% on other lens enhancements

Contacts (instead of glasses)

$130 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation)

Primary Eyecare

Treatment and diagnosis of eye conditions like pink eye, vision loss and monitoring of cataracts, glaucoma and diabetic retinopathy. Limitations and coordination with medical coverage may apply. Ask your VSP doctor for details.

$0 $95 - $105 $150 - $175

Every 12 months

Up to $60

Every 12 months

$20

As needed

Glasses and Sunglasses Extra $20 to spend on featured frame brands. Go to vsp.com/specialoffers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. Extra Savings

Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities Your Coverage with Out-of-Network Providers

Get the most out of your benefits and greater savings with a VSP network doctor. Call Member Services for out-of-network plan details. VSP guarantees coverage from VSP network providers only. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.

Contact us. 800.877.7195 | vsp.com 1. Brands/Promotion subject to change. 2. Savings based on network doctor's retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Available only through VSP network doctors to VSP members with applicable plan benefits. Ask your VSP network doctor for details. ÂŠ2018 Vision Service Plan. All rights reserved. VSP, VSP Vision care for life, eyeconic.com, and WellVision Exam are registered trademarks, and "Life is better in focus." is a trademark of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other company names and brands are trademarks or registered trademarks of their respective owners.

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Get all your answers quick and easy @ umr.com Everything you need to know about your spending account You don’t have time to dig through paperwork or wonder how much money you have left in your flexible spending account (FSA), health reimbursement account (HRA), health incentive account (HIA) or retiree reimbursement account (RRA). At umr.com, there are no hassles and no waiting – just the answers you’re looking for, anytime, night or day. While FSAs, HRAs, HIAs and RRAs are all processed under our flex system, you can access whichever account you have using the following instructions.

Log in to umr.com to: > File a claim online > Upload receipts and track expenses > View up-to-the-minute account balances > View your account activity, claims history and payment history > Download plan information, forms and notifications > Add or update a direct deposit account

Getting started* If you’re already registered on umr.com, enter your username and password in the upper-right corner. If it’s your first time visiting us, click New user? Register here to set up your account online. Make sure you have your ID card handy and follow the steps to get started.

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* PLEASE NOTE: If you ONLY have an FSA or RRA with UMR, see the next page on how to register. Note: The images shown reflect available features within our desktop site. These features may or may not be available to all users, depending on your individual and/or company benefits. Return to Table of Contents

How to register Once you have selected New user? Register here, please follow the prompts and answer the questions to complete your registration. • F lex accounts are in the employee’s name only, so only the employee can register. You will need to indicate you are the member. • O n the profile page, if you have a UMR ID card, you will use your UMR ID to register. •

I f you only have a flex account with UMR, click on What if I wasn’t issued an ID card? You will then be prompted to click the link that states Click here for FSA-only/disability only registration.

•

You will need a member ID to register. This ID was with your original welcome letter. If you do not have this number, please contact our Customer Service Department to obtain the number.

When all screens and information have been completed, click Continue to complete your registration.

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Locating your account details

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After you have completed the registration steps or logged directly into your existing account, the member home screen is displayed. To view your information, select Account balances from MyMenu and then select Flexible spending account - even if you are looking for HRA, HIA or RRA information. On the FSA page, you can sign up for direct deposit or view your account information.

Setting up direct deposit authorization This service is only available if your employer offers this benefit with the account. To add, change or cancel a direct deposit account, select Update my direct deposit in the I need to... section.

Viewing your account To view any account information, click the View my FSA button to be redirected to your online account administration page. If you have more than one account, you will see a drop down box and can choose which account you would like to view. Return to Table of Contents

Your online account home page The home page is easy to navigate: â&#x20AC;˘ T he top section shows messages from your employer and links to employee information. â&#x20AC;˘ The Message Center section displays alerts and relevant links that enable you to stay up-to-date on your accounts. Any pending and next projected payments can be found here. You can navigate by hovering over the tabs at the top of the page or using the links on the left side of the page. PLEASE NOTE: Direct deposit information, found under the Profile tab, is for informational purposes only. You cannot add, delete or change your direct deposit information here. Direct deposit setup information can be found on page 2 of this flyer.

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How do I file a claim and upload a receipt? 1. On the home page, select File a Claim 2. O R, hover over the I want to... option on any page and select File a Claim nder Pay From, please indicate the type of account 3. U your would like to be reimbursed from (medical, dependent care, parking or transportation). Please note: The accounts you are actually enrolled in will be listed. 4. U nder Pay To, it will automatically list Me, since flex funds are paid directly to you, then hit Next. 5. You will then have the opportunity to upload your supporting documentation. Click on Upload Valid Documentation and follow the instructions. Once uploaded, you will see the documentation listed and then hit Next. You are not required to upload your supporting documentation and can fax or email the documentation to UMR if you prefer. If you do not want to upload the documentation, you can just hit Next.

7. O nce the claim information is completed, you will then see the Transaction Summary page. You can add another claim, save for later, or submit if finished. a. If you select Save for Later, you will see a claim in your Claims Basket in the top right corner by your name. Click on this to return to your claims to remove, update, or submit the claim(s). (Please note: If you log out or leave the site, you will receive a message box informing you that you will lose your transactions if you continue. If you hit Yes and continue, your claim information will not be saved and will need to be re-entered the next time you log in). 8. O nce all claim information is entered, you will need to select that you agree to the Terms and Conditions and click Submit to ensure your claim is submitted to UMR for review. (continued on back)

6. The claim form will then be provided. Please complete the information for the claim and hit Next.

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9. Once you click this final Submit, the Transaction Confirmation page will display. Print the claim confirmation form as a record of your submission. If you did not upload a receipt, print another claim confirmation form to submit to UMR along with the proper documentation. OR, if a receipt is required, click Upload Receipt and the Receipts Needed screen will display.

How do I report a lost or missing debit card or request a new card?

PLEASE NOTE: If you see a Receipts Needed link in the Message Center section of your home page, click on it to view a listing of claims requiring receipts.

How do I submit my debit card documentation?

How do I view current account balances and activity? 1. For the current account balance only, the account balance will be listed under Available Balance on the home page. 2. For an account summary that includes your current and prior yearsâ&#x20AC;&#x2122; account balance(s), click Available Balance on the home page. OR, click the Accounts tab. 3. For all account activity including claim, contribution and payment information, click the Accounts tab and select Account Activity, Claims, or Payments from the left menu. Filters can be set when viewing claims or payments if you only want to view certain records.

1. From the home page, click the Tools & Support tab. 2. Under How do I... click Report Lost or Stolen. If you need to report your card lost or stolen, select Report Lost/Stolen. If you need to order additional cards, select Order replacement.

I f you have outstanding transactions that needs supporting documentation, you will see that items are needed under the Message Center on the home page. 1. Click on the message(s). The transactions needing documentation will be listed. 2. C lick on Upload Receipt, then browse for your documentation. Attach and click Upload. 3. OR, under the Accounts tab, click Claims. Any transaction needing documentation will have a red exclamation point (!). Click on the claim and then upload receipt.

How do I view my payment (reimbursement) history? 1. From the home page, under the Accounts tab, select Payments. You will see reimbursement payments made to date, including debit card transactions. 2. Click on any payment to view additional details.

How do I view my claims history? 1. Under the Accounts tab, click Claims. Clicking on any specific claim will bring up additional information. 2. OR, from the home page, click Available Balance, and then click Claims.

ÂŠ 2017 United HealthCare Services, Inc. UM0718-DC-WEX 0217 No part of this document may be reproduced without permission. This content is provided for information only and is not to be considered medical advice. All decisions about medical care should be made by the doctor and patient. Always refer to the plan document for specific benefit coverage or call the toll-free member phone number on the back of your health plan ID card. UMR operates in accordance with medical privacy standards established by applicable federal and state laws. The screen shots shown are for illustrative purposes and use fictional data only.

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Know your eligible & ineligible expenses If you have a health savings account (HSA) or flexible spending account (FSA), you can use pre-tax dollars to cover eligible expenses. To help better understand what is and isn’t eligible, we’ve developed a list of both. For a more detailed list of eligible and ineligible expenses, check your UMR plan document.

Eligible expenses Expenses that could be considered dual purpose (having both medical and personal benefits) may need a medical practitioner’s note explaining the diagnosis and treatment action that is needed for this specific medical condition. This list is not meant to be all inclusive.

Dental services

Medical treatments/procedures

Dental services

Acupuncture

Dental x-rays

Alcoholism (inpatient treatment)

Dentures Exams/teeth cleaning Extractions

Medical equipment supplies and services

Weight loss drugs (to treat specific disease)

Abdominal/back supports

Wheelchair

Ambulance services

Wigs (hair loss due to disease)

Drug addiction

Arches/orthopedic shoes

Medication

Hearing exams

Contraceptive, prescribed

Insulin

Counseling

Prescribed birth control & vitamins

Crutches

Prescription drugs

Guide dog (for visually/hearing impaired)

Obstetric services

Fillings

Hospital services

Gum treatment

Infertility

Oral surgery

In vitro fertilization

Orthodontia/braces

Norplant insertion or removal

Lab exams/tests Blood tests

Physical exam (not employment related)

X-rays

Physical therapy

Cardiographs

Reconstructive surgery (if medically necessary due to congenital defect or accident)

Laboratory fees Metabolism tests

Hearing devices and batteries Hospital bed Lead paint removal (if not capital expense and incurred for a child poisoned) Learning disability (special school/teacher)

Rolfing

Medic alert bracelet or necklace

Urine/stool analyses

Speech therapy

Oxygen equipment

Vision services

Sterilization

Eye examinations

Transplants (including organ donor)

Prescribed medical and exercise equipment

Spinal fluid tests

Eyeglasses Contact lenses Laser eye surgeries Artificial eyes

Vaccinations/immunizations Vasectomy and vasectomy reversal

Prosthesis Splints/casts or support hose (if medically necessary)

Lamaze class Midwife expenses OB/GYN exams OB/GYN prepaid maternity fees (reimbursable after date of birth) Prenatal and postnatal Treatments Practitioners Allergist Chiropractor Christian Science Dermatologist Homeopath Naturopath

Syringes

Osteopath Physician

Prescription sunglasses

Weight loss programs (as prescribed by your doctor)

Transportation expenses (mileage and parking)

Radial keratotomy/LASIK

Well baby care

Tuition fee at special school for disabled child

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Psychiatrist - over -

FSAs...putting more mon ey in your pocket!

Ineligible expenses Expenses to promote general health are not eligible expenses unless prescribed by a physician for a specific medical ailment. This list is not meant to be all-inclusive. Babysitting and child care

Diaper service

Health club dues

Contact lens or eyeglass Insurance

Electrolysis

Insurance premiums and interest

Cosmetic surgery/ procedures Dancing/exercise/fitness programs

Personal trainers or exercise equipment

Long-term care premiums

Hair loss medication

Marriage counseling

Hair transplant

Maternity clothes

Over-the-counter items

Eligible

Over-the-counter medicines/ drugs are not allowed without a prescription.

Over-the-counter supplies (including contact solution, Band-Aids, crutches, etc.)

Vitamins or nutritional supplements Swimming lessons Teeth whitening/ bleaching Personal care items

Medicines/drugs with a prescription

Ineligible OTC items purchased for personal use Medicines/drugs without a prescription

Please note... Health care FSA contribution amounts are limited due to Health Care Reform Law. Please refer to your plan document for the specific contribution limits allowed by your plan.

ÂŠ 2014 United HealthCare Services, Inc. UM0075 1014 No part of this document may be reproduced without permission.

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Lincoln Financial Group

Valley View Hospital Summary of Benefits Life and AD&D Insurance

Group life insurance coverage can offer important financial protection Most people agree that protecting their loved ones in the event of death is very important. Consider what would happen to your dependents if they no longer had your income to rely on. Life insurance can help your family maintain its standard of living as well as secure plans for college and retirement. With the right amount of life insurance, you’ll know that your family’s financial obligations will be covered. Together with your employer, Lincoln Financial Group offers you an opportunity to purchase Optional Group Term Life and Accidental Death & Dismemberment (AD&D) Insurance for you and your dependents. Eligibility

All active full-time and part-time Employees working a minimum of 24 regularly scheduled hours per week.

Waiting Period

You are eligible on the first of the month coincident with or next following date of hire.

Employee Benefit

Employee Basic Term Life and AD&D: Coverage is equal to two times your base annual salary1 rounded up to the next $1,000. This amount may not exceed $450,000.2 Coverage is employer-paid. Employee Optional Term Life and AD&D: You may purchase increments of $10,000 to a maximum $500,000.2

Dependent Spouse Benefit

Dependent Spouse Life: Spouse coverage is equal to $5,000. Optional Dependent Spouse Life: You may purchase increments of $10,000 to a maximum $300,000. Optional Dependent Spouse AD&D: You may purchase increments of $10,000 to a maximum $500,000.

Dependent Child Benefit

Dependent Child Life: Child coverage is equal to: $1,000 if at least age 14 days but under age 6 months. $5,000 if at least age 6 months but under age 26 years. Optional Dependent Child Life and AD&D: Optional child coverage is equal to: $250 if at least age 14 days but under age 6 months. You may purchase increments of $5,000 to a maximum of $20,000 for children at least age 6 months but under age 26.

Evidence of Insurability

Employee: A health statement is required if the amount of the increase is greater than $300,000 or an increase of $10,000 or more at each annual enrollment. Spouse: A health statement is required if the amount of the increase is greater than $80,000 or an increase of $10,000 or more at each annual enrollment.

Conversion/Portability

Conversion: If all or part of your Basic, Optional, and Optional Dependent life coverage ends, you may convert the amount that ends to an individual life insurance policy without medical evidence. Portability: If all or part of your Optional and Optional Dependent Spouse life coverage ends, you may continue all or part of the amount that ends, less any amounts converted to an individual policy. Portable group term life insurance is not available if coverage ends because the policy terminates.

For the definition of your base annual salary, please see your plan booklet or contact your Human Resources department.

The Employee Benefit is equal to the combined amount of the Basic Term Life and Optional Term Life coverage.

This brochure is a general description of coverage and/or services offered. See your policy or service contract for actual terms and conditions. Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Home Office: Boston, MA. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. ©2018 Lincoln National Corporation. All rights reserved. .

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Lincoln Financial Group

Waiver of Premium

Included with employer policy

Reduction Schedule

Employee Basic and Optional Life: When you reach age 65, life benefits reduce to 65%. When you reach age 70, life benefits reduce to 45%. When you reach age 75, life benefits reduce to 30%. When you reach age 80, life benefits reduce to 20%. Dependent Spouse and Optional Life: When you reach age 65, life benefits reduce to 65%. When you reach age 70, life benefits reduce to zero.

Employee Assistance Program (EAP)

As an employee covered under your employer’s group life policy issued by Lincoln Financial Group, you are eligible for the EAP. These benefits include financial, legal, and family services and are available to you and your immediate family members. Employee Assistance Program (“Services”) are provided by Morneau Shepell. Lincoln Financial Group does not insure or administer these services.

Travel Assistance

Travel Assistance provides 24/7/365 access to pre-travel, personal, and emergency help with situations that may arise during travel. Services are available to the covered employee while on business or personal travel more than 100 miles from home and for fewer than 90 consecutive travel days. Dependents traveling with the employee are also covered. Travel assistance services are administered by UnitedHealthcare Global. UnitedHealthcare Global must make all arrangements for Lincoln Financial Group to cover costs of covered events.

Accidental Death & Dismemberment insurance provides a benefit when an injury resulting from an accident causes the death or other covered losses to the insured. Please Note: Evidence of insurability may be required. Please see your Human Resources department for additional information. The above information provides highlights of the insurance program. It does not and is not intended to cover the program in detail. Please refer to the policy for a complete description of the coverage, limitations, and exclusions.

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Lincoln Financial Group

Valley View Hospital Summary of Benefits Long-Term Disability Insurance

Group disability insurance offers income protection Disability is often called the “forgotten risk,” as few employees think about how they would survive financially with no earned income. The impact of a disabling illness or injury, both financially and emotionally, is devastating. While health insurance may cover most medical bills, daily living expenses such as rent or mortgage, car payments, and utilities continue. Disability insurance provides partial income replacement if you are unable to work due to a qualifying non-occupational illness or injury. An employee generally begins with what is considered a short-term disability for a period of 13 weeks. If the illness or injury extends beyond that period it becomes long-term disability.

Eligibility

All active full-time and part-time Employees working a minimum of 24 regularly scheduled hours per week.

Waiting Period

You are eligible on the first of the month coincident with or next following your Date of Hire.

Benefit

Voluntary LTD is 50% paid for by Valley View Hospital and 50% paid for by you. If you purchase this coverage, become disabled (as defined in the plan), and remain disabled through the elimination period, you will receive 60% of your monthly covered earnings, less other deductible sources of income, such as Social Security and workers compensation (see your plan booklet for details). The maximum monthly benefit is $12,000.

Elimination Period

Benefits are payable after a period of 90 consecutive days of disability.

Definition of Disability

You will be considered disabled if, during the elimination period and the next 24 months of disability, you are unable to perform the duties of your “own occupation” and thereafter, you are unable to perform the duties of “any occupation.” Refer to your certificate of coverage for definitions of “own occupation” and “any occupation.”

Maximum Benefit Period

Age at Disability Maximum Benefit Period Less than age 60--------------------- Greater of SSNRA* or to age 65 (but not less than 5 years) 60 -------------------------------------- 60 months 61 -------------------------------------- 48 months 62 -------------------------------------- 42 months 63 -------------------------------------- 36 months 64 -------------------------------------- 30 months 65 -------------------------------------- 24 months 66 -------------------------------------- 21 months 67 -------------------------------------- 18 months 68 -------------------------------------- 15 months 69 and over -------------------------- 12 months *SSNRA means the Social Security Normal Retirement Age as figured by the 1983 amendment to the Social Security Act and any subsequent amendments.

Maximum Benefit Period (cont)

Year of Birth Normal Retirement Age Before 1938 ------------------------- 65

Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Home Office: Boston, MA. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. ©2018 Lincoln National Corporation. All rights reserved.

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Lincoln Financial Group

1938 ----------------------------------1939 ----------------------------------1940 ----------------------------------1941 ----------------------------------1942 ----------------------------------1943-1954 --------------------------1955 ----------------------------------1956 ----------------------------------1957 ----------------------------------1958 ----------------------------------1959 ----------------------------------1960 and after ----------------------

65 and 2 months 65 and 4 months 65 and 6 months 65 and 8 months 65 and 10 months 66 66 and 2 months 66 and 4 months 66 and 6 months 66 and 8 months 66 and 10 months 67

Successive Disability

If you become disabled for the same condition within six months following your prior disability, your benefits will continue under the same claim.

Survivor Benefit

A lump-sum payment, equal to three months of benefits paid, to an eligible survivor or estate if you are receiving a benefit and have been disabled for three consecutive months.

Employee Assistance Program (EAP)

As an employee covered under your employer’s group long-term disability policy issued by Lincoln Financial Group, you are eligible for the EAP. These benefits include financial, legal, and family services and are available to you and your immediate family members. Employee Assistance Program (“Services”) are provided by Morneau Shepell. Lincoln Financial Group does not insure or administer these services.

Please Note: Evidence of Insurability may be required. Pre-existing condition exclusions may affect the payment of benefits. Please see your Human Resources Department for additional information.

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Life Services Website: An Employee Guide A place to help improve your personal and financial wellness Achieving wellness requires taking a balanced approach to caring for yourself — in both body and mind. In addition to Lincoln Financial Group’s* group term life insurance, this educational life services website provides additional support to help you improve your overall well-being.1 Personal Wellness: Access to helpful resources at times in your personal life when you may need them most. Wellness ■■

■■

Grief and Loss

Access resources for a healthier lifestyle and emotional well-being.

■■

Select a variety of wellness articles related to emotional resilience, including stress reduction management.

■■

Access information on how to help yourself and others cope with a loss. Learn more about the different stages of grief and healthy coping strategies.

Funeral Planning ■■

■■

Download the funeral planning guide to help organize a funeral or memorial service. Estimate and compare expenses for various types of funeral arrangements. Access information on funeral customs in different religions or cultures.

Financial Wellness: Discover resources to help you make financial choices. Identity Theft ■■

■■

Learn how to prevent and resolve identity theft issues. Help identify your level of risk for identity theft with a useful calculator tool. Access links to state laws regarding identity theft, and steps you can take to help prevent identity theft such as when a loved one dies.

Need to set up your My Lincoln PortalSM account? Register using company code: ValleyView

Legal ■■

■■

Create a legally binding, statespecific will and other personal legal documents online. Access checklists and information regarding estate, financial, and administrative matters. Learn about estate planning and access legal information on family law, real estate, financial concerns, and managing debt.

Financial ■■

■■

Complete a financial wellbeing assessment. Access financial checklists, budgeting calculators, and tools to help increase financial awareness. Learn how to manage debt, improve your credit score, and handle creditors.

To access the site, go to www.MyLincolnPortal.com and look for ‘Life Insurance’ under the ‘Learn More’ section. 1 “Life Services” is available to employees and dependents covered by group life insurance programs issued by Liberty Life Assurance Company of Boston. “Life Services” is provided by Morneau Shepell. Liberty Life Assurance Company of Boston does not administer “Life Services”. Group insurance products described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

*Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Home Office: Boston, MA. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. ©2018 Lincoln National Corporation. All rights reserved. LMB 457 5/18 Return to Table of Contents

Online Will Preparation

■■

Wills

What is online will preparation? Lincoln Financial Group* offers online will preparation to complement your life insurance coverage. It’s a secure and convenient way to create a legally binding, state-specific will and other personal legal documents online.

■■

Living Wills

Online will preparation lets you document your final wishes, such as:

■■

Powers of Attorney

■■

Estate Letters

■■

Living Trusts

■■

Much More

Log on today for instant access to:

Naming beneficiaries to inherit property Naming a guardian to care for minor children

Online will preparation is straightforward: ■■ ■■ ■■

Create, save, and print a legally binding will that you can change at any time. Detailed instructions and definitions guide you through the process. All personal legal forms and documents are stored on a secure server and are only accessible via a password.

Who is eligible?

If you have a life insurance policy issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company, you are eligible to prepare a will online through the Morneau Shepell site.

Step-by-step instructions

1. Enter this address into your web browser (e.g., Firefox, Internet Explorer, Safari, Chrome): workhealthlife.com/mlassist * Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company.

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2. On the bottom left side of the page under Resource Center & Tools, select “Go to Resource Center & Tools,” and then select “Online Wills-Legal Forms.”

Legal Tools - Online Wills

On the next page, “Online Wills-Legal Forms,” go to the sentence below the bulleted list and click where it reads “Click here to view available documents and log into the secure system.”

Click here

This will take you to the “My Documents” page, where you can: ■■ ■■

Log in, or register if you are a new user, or Click the “Personal Documents” tab to begin a new document from the legal document catalog.

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3. If you select “Personal Documents,” you’ll be taken to a new page where you can select your state from the drop-down menu. Click “Go” to continue. The next page will verify that you’re viewing your chosen state’s documents.

4. Under the “Categories” list of bullets, select “Wills, Powers of Attorney, and Estate Planning.”

Wills, Powers of Attorney, and Estate Planning

5. Confirm your state selection at the top of the new page and then select the type of document you want to work on, e.g., “Will for an Unmarried Person.” 6. Review your selection and click the bar that reads “Click here to select this document.” You’ll return to the “My Documents” page. 7. On the “My Documents” page, either register as a new user or log in as an existing user. On the next page (also titled “My Documents”), you can begin preparing your will. 8. Click the “Answer Questionnaire/Preview Document” button to answer a questionnaire that will tailor your document to your needs.

Answer Questionnaire/ Preview Document

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Fill in your responses in this section on the left.

As you fill in each response on the left, your information will automatically populate in the document on the right.

9. As you fill in your responses, the black boxes in the “Sections” bar at the top of the page will turn red or green. ■■ ■■

Green boxes indicate that the information has been properly filled in. Red boxes indicate that there is incorrect or missing information.

10. After you complete each set of responses, click “Next” at the bottom of the page. 11. When you have finished answering the questionnaire, click the “My Documents” button to return to that page. 12. Click the “Download” button to download and print your document. Note: You can also click the “Rename” link (under the current name of the document and time created) to give your document a name of your choice, and the “Delete” link to delete your document.

Contact the Morneau Shepell helpline at 877-695-2789 with any questions.

Online will preparation services are provided by Morneau Shepell. Liberty Life Assurance Company of Boston does not insure or administer these services. See your policy or service contract for actual terms and conditions. Group insurance products and services described herein are issued by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. Home Office: Boston, MA. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. ©2018 Lincoln National Corporation. All rights reserved. LMB 501 05/18

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TravelConnect SM services Make travel stressful. Make travelless less We’re here to assist you with: stressful with • Emergency pet boarding. TravelConnect SM

and/or return

• Return of traveling companion We’re here to assist you with: • ID recovery assistance

• Emergency travel • arrangements Vehicle return and funds transfers • Emergency travel arrangements

Caring Caringsupport supportand andassistance assistance when whenyou youtravel. travel.

TravelConnect SM is a comprehensive program that can bring help, TravelConnect is a comprehensive program that can bring help, comfort, comfort, and reassurance if you face a medical emergency while and reassurance if you face a medical emergency while traveling 100 or traveling 100 from or more miles from home. Whether traveling business more miles home. Whether traveling for business orfor leisure, if you GROUP BENEFITS orare leisure, you in and loved onesinsurance, can countyou on our responsive enrolled lifeyour and/or AD&D andstaff yourfor loved ones can and caring — 24 hours a day, 7 days week.support — 24 hours a count on support TravelConnect for responsive and acaring day, 7 days a week.

Travel more. Worry less. to: You can count on TravelConnect You can count on TravelConnect services to:

•• Lost orstolen stolen travel Lost or travel documents documents

• Language translation services

Arrange and pay for transportation to the nearest medical facility. We’ll also

• Language translation services Coordinate and provide transportation and user pay forguide the patient’s trip home.from an initial medical facility that Travel assistancearrange services • Medical and dental referrals cannot adequately treat the patient due to their condition. • Medical and dental referrals Coordinate travel and airfare for your dependent children under 18. This • Corrective lens and medical device

• Corrective replacementlens and medical Travel device replacement

Coordinate travel and airfare for your dependent children.* This includes the

includes the services, transportation expenses, and accommodations of a made easier services, transportation expenses and accommodations of a qualified escort. non-medical escort.

• Medication and vaccine delivery The TravelConnect SM program provides a wealth of travel, medical and safety-related

TravelConnect will also coordinate and pay for a safe evacuation due to natural Monitor medical care and recovery. Services include: • Medication and vaccine while traveling. Lincoln has partnered with UnitedHealthcare • Evacuation coordination services for an available for access disaster,record or when a political or security threat occurs. Medical requests delivery Global, a worldwide •leader in travel assistance, to make this valuable benefit available. emergency security or political

• Intermediary services

Medical care, and travel services recovery. Assistant services include, but are event, or natural • Destination infodisaster* — including • Communication For travel more than 100 mileslimited from home not to: with your family, employer, and physician back home weather, currency and more • Destination information • Recovering lost orrequests stolen documents • Medical record

• Medical and dental referrals • Updates to your family,Business and leisure travel • Intermediary services

employer, and home physician

• Language translation • Recovering lost or stolen documents or luggage • Medical and dental referrals • Medication and vaccine delivery • Language translation Available to insured employees and their dependents • Arrangements for a and deceased traveler • Corrective lenses medical device replacement • And more! Detach and keep this card with you • Arrangements for a deceased traveler Detach and keep this card with you This comprehensive coverage includes… at all times.

Staff and resources provide 24/7 travel support • Corrective lenses and medical device replacement

at all times.

FPO

SM TravelConnect SM TravelConnect

SM Medical emergency and transportation For a complete list ofevacuation TravelConnect benefits, Includes arrangement and payment for transportation the patient visit Lincoln4Benefits.com. For a complete list of TravelConnectSMofservices, to the nearest facility able to treat the injury or illness. Once gomedical to mysearchlightportal.com and enter your the patient can travel home, includes arrangement and payment for group ID: LFGTravel123.

the trip.

Life/AD&D Life

UHC Global ID #: 322541

Physicians/Hospitals: Call immediately for benefits verification and procedures (see reverse for phone number). If you do not access to a phone, email assistance@uhcglobal.com

Dependent child transportation Insurance products issued by: If a participant’s injury or illness leaves their minor children under The Lincoln National Life Insurance Company Insurance products issued by: 18Lincoln unattended, includes of airfare to send children The National Life Insurancecoordination Company Lincoln Life & Annuity Company of New York back to participant’s home. Also includes arranging for the services, LFE-TRAV-FLI001_Z06 transportation expenses and accommodations of a nonmedical Return to Table of Contents escort, if UnitedHealthcare Global determines this is necessary.

Page 1 of 2

Travel assistance services are subject to specific terms, conditions, and limitations. If you need assistance, call On Call International immediately for benefits verification and procedures. Multilingual representatives are available 24 hours a day, seven days a week. A program description is available at mysearchlightportal.com. To use TravelConnectSM services, call On Call International at 866-525-1955.

Affiliates are separately responsible for their own financial and contractual obligations. LCN-2297426-102918 BP 10/18 Z06 Order code: LFE-TRAV-FLI001

The TravelConnectSM program is not available to insured employees and dependents of policies issued in the state of New York. TravelConnectSM services are provided by On Call International, Salem, NH. On Call International is not a Lincoln Financial Group® company and Lincoln Financial Group does not administer these services. Each independent company is solely responsible for its own obligations. *On Call International must coordinate and provide all arrangements for eligible services to be covered. Coverage is subject to contract language that contains specific terms, conditions and limitations. Not for use in New York. Page 2 of 2

Detach and keep this card with you at all times.

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Group Short Term Disability Insurance Off Job - Disability Income Protection (Guaranteed Issue up to $4,000.) You and your family rely on your income. So what would happen if you became ill or suffered a serious accident and were unable to work? Could you still pay everyday living expenses? Colonial’s Disability protection replaces a portion of your income if you become unable to work due to a covered illness or injury to help pay for –  Mortgage, rent, utility or other household expenses.  Benefits are paid directly to you unless you specify otherwise.  Benefit pays 60% of your salary for 3 months of coverage.  Rates are based on your Age, Salary and benefit amount and period. 3 Month Benefit Monthly premium rates per $100. Monthly benefit available up to 60% of income, between $400 and $7,500. Issue Age

7 day waiting period

14 day waiting period

17-74

$2.37 per $100

$1.56 per $100

Sample rates per Monthly Deductions Annual Gross Salary Annual Salary Starting at 20,000 Annual Salary Starting at 30,000 Annual Salary Starting at 40,000 Annual Salary Starting at 50,000 Annual Salary Starting at 60,000 Annual Salary Starting at 70,000 Annual Salary Starting at 80,000

Monthly Disability Benefit 1000 1500 2000 2500 3000 3500 4000

7 waiting period

14 day waiting period

$23.70 $35.55 $47.40 $59.25 $71.10 $82.95 $94.80

$15.60 $23.40 $31.20 $39.00 $46.80 $54.60 $62.40

Here when you need us

Customer Service

800.325.4368 6am to 6pm MST

Visit The Policyholder Website: My Colonial Life Go to coloniallife.com, click on Sign Up and complete a short registration.

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Group Disability Insurance You never know when a disability could impact your way of life. Fortunately, there’s a way to help protect your income. If a covered accident or sickness prevents you from earning a paycheck, disability insurance can provide a monthly benefit to help you cover your ongoing expenses.

Can you afford to not protect your income? You don’t have the same lifestyle expenses as the next person. That’s why you need disability coverage that can be customized to fit your specific needs. After calculating your monthly expenses, your benefits counselor can help you complete the benefits worksheet. MONTHLY EXPENSES Round to the nearest hundred.

ColonialLife.com

Rent or mortgage

Transportation

Utilities (phone, internet, electricity/gas, water, etc.)

Food and necessities

Other expenses

Total monthly expenses (add lines 1-5 together)

Benefits worksheet How much coverage do I need? Monthly benefit amount for off-job accident and off-job sickness: ______________ Choose a monthly benefit amount between $400 and $7,500.* If your plan includes on-job accident/sickness benefits, the benefit is 50% of the off-job amount.

What is the benefit period? Benefit period: 3 months The partial disability benefit period is three months.

When may my total disability benefits start?

After a sickness: 7 or 14 days

*Subject to income requirements

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GROUP DISABILITY BASE

Product information and features Total disability Totally disabled or total disability means you are: unable to perform the material and substantial duties of your job, not working at any job, and under the regular and appropriate care of a doctor. Partial disability If you are able to return to work part-time after at least 14 days of being paid for a total disability, you may be able to still receive 50% of your total disability benefit. Waiver of premium We will waive your premium payments after 90 consecutive days of a covered disability. Geographical limitations If you are disabled while outside of the United States, you may receive benefits for up to 60 days before you have to return to the U.S. Issue age Coverage is available from ages 17 to 74. Portability You may be able to keep your coverage even if you change jobs.

For more information, talk with your benefits counselor.

EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of: alcoholism or drug addiction, felonies or illegal occupations, flying, hazardous avocations, intoxicants and narcotics, psychiatric or psychological conditions, racing, semi-professional or professional sports, suicide or injuries which you intentionally do to yourself, war or armed conflict. We will not pay for losses due to you giving birth within the first nine months after the coverage effective date of the certificate. Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which you were treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date. We will not pay for loss when the disability is a pre-existing condition as defined in this certificate, unless you have satisfied the pre-existing condition limitation period (typically 12 months) shown on the Certificate Schedule on the date you suffer a loss due to a covered accident or covered sickness. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form GDIS-P and certificate form GDIS-C (plus state abbreviations where applicable, for example: GDIS-P-EE-TX and GDIS-C-EE-TX). Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy and certificate provisions will control. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ÂŠ2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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5-18 | 101136-3

Pregnancy and having a baby Disability Insurance

A baby changes everything — even your financial situation. Disability insurance can help you pay for everyday living expenses and keep you focused on taking care of the new addition to your family.

How disability income insurance can help The usual recovery period is six weeks (vaginal delivery) or eight weeks (cesarean delivery). If your claim is approved, your benefits will start after you satisfy your elimination period (waiting period). Benefits are paid directly to you to use as you see fit. Your disability benefits are not affected by your employer’s leave of absence program, the Family Medical Leave Act (FMLA), your sick leave or paid time off/vacation time. If you were not pregnant before your coverage effective date, pregnancy complications, such as pre-term labor, gestational diabetes and pre-eclampsia, are treated just like any other covered sickness.

For more information, talk with your benefits counselor.

ColonialLife.com

Your disability policy has a giving birth limitation, which means Colonial Life will not pay disability benefits if you give birth within the first nine months after your coverage effective date. If the pregnancy is considered a pre-existing condition, any dates missed from work due to pregnancy, delivery, or associated complications may not be covered.

Understanding your elimination period (waiting period) If your claim is approved, your benefits will start after you have satisfied the elimination period, which is the period of time that no benefits are payable. Your elimination period may vary based on the plan you select.

VAGINAL DELIVERY

WEEK 1

WEEK 2

WEEK 3

WEEK 4

WEEK 5

WEEK 6

CESAREAN DELIVERY

WEEK 1

WEEK 2

WEEK 3

WEEK 4

WEEK 5

WEEK 6

n Elimination period

WEEK 7

WEEK 8

n Benefits payable

For illustrative purposes only. Example based on a seven-day elimination period. Although the above example shows benefits payable for five or seven weeks after the elimination period, the policy provides a monthly benefit. After deducting the elimination period and paying any full months of disability, the remaining dates will be paid using the daily rate.

Filing your disability claim If there are no complications, you should file your claim after delivery. For complications before delivery, you should file your claim as soon as the doctor indicates you are unable to continue working.

This coverage has exclusions and limitations that may affect benefits payable. Giving birth limitation may vary or not apply in all states. Coverage type and benefits vary by state and may not be available in all states. For cost and complete details, see your Colonial Life benefits counselor. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Group Accident Insurance 4000 (Guaranteed Issue)

Accidents are unexpected. How you care for them shouldn’t be. Accident insurance from Colonial Life can help prepare you for what happens next Features of Colonial Life’s Accident Insurance –   

Benefits are paid directly to you Benefits are paid regardless of any other insurance you may have with other insurance companies You can take your coverage with you if you change jobs or retire

With Accident Insurance through Colonial Life benefits are paid for initial care due to an accident such as:    

Emergency Room Treatment X-rays Ambulance Hospital Admission and Daily Stay

Additional benefits are paid based on the type of accidental injury diagnosed. There are benefits paid for injuries such as:   

Lacerations Broken Bones Burns

Premium Rates per Monthly Deductions On and Off Job with $50 Health Screening Benefit Employee $14.49 Employee & Spouse $23.44 One-Parent Family $25.12 Two-Parent Family $34.07

Here when you need us

Customer Service

800.325.4368 6am to 6pm MST

Visit The Policyholder Website: My Colonial Life Go to coloniallife.com, click on Sign Up and complete a short registration.

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Group Limited Benefit Accident Insurance Preferred Plan

Group accident insurance can help with medical or other costs associated with a covered accident or injury that your health insurance may not cover. With this coverage you may not need to use your savings or secure a loan to help pay those unexpected out-of-pocket expenses. Coverage options are available for you, your spouse and eligible dependent children. Benefits are per covered person per covered accident unless stated otherwise Accident emergency treatment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $150 One visit per covered person per covered accident and Up to four visits per covered person per calendar year Accident follow-up doctor visit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . .$50 Up to four visits per covered person per covered accident and Up to 16 visits per covered person per calendar year Accidental death Per covered person

Accidental death Accidental death common carrier

¾ Named insured.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50,000. . . . . . . . .. . . . . . . . . . $200,000 ¾ Spouse..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50,000. . . . . . . . . . . . . . . . . . . $200,000 ¾ Dependent child(ren).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000. . . . . . . . . . . . . . . . . . . . . $40,000 Examples of common carriers are mass transit trains, buses and planes

Accidental dismemberment

For more information, talk with your benefits counselor.

Loss or loss of use ¾ One hand, arm, foot, leg or sight of an eye. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . $9,000 ¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $18,000 ¾ One finger or one toe.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . $1,050 ¾ Two or more fingers; two or more toes; or any combination.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,100 Air ambulance. ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 Transportation to or from a hospital or medical facility Ambulance (ground).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $300 Transportation to or from a hospital or medical facility Appliance aid in personal locomotion or mobility.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $100 Walking boot, neck brace, back brace, leg brace, cane, crutches, walker and wheelchair

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Blood/plasma/platelets.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $400 Required during treatment of a covered accident Burn ¾ 2nd-degree burns (covering at least 36% of the body’s surface).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000 ¾ 3rd-degree burns (based on size). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,000 – $15,000 Burn–skin graft. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50% of applicable burn benefit As a result of 2nd-degree or 3rd-degree burns

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GAC4000 – PREFERRED PLAN

Alex was cleaning out the gutters when he fell.

Catastrophic accident Total and irrecoverable loss or loss of use ¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination; or

EMERGENCY ROOM VISIT

¾ Loss of hearing in both ears or loss of ability to speak

Alex was taken by ambulance to the nearest emergency room and received immediate care.

Subject to a 365-day elimination period; payable once per lifetime per covered person ¾ Named insured....................................................................................................................................................$50,000 ¾ Spouse...................................................................................................................................................................$50,000

DIAGNOSTIC PROCEDURE

¾ Dependent child(ren)........................................................................................................................................$25,000

The doctor ordered an X-ray and discovered Alex had fractured his leg.

Coma... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10,000 Lasting for 14 or more consecutive days Concussion.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $375

HOSPITAL CONFINEMENT

Dislocation (separated joint)

Alex was admitted to the hospital for surgery on his leg. He was confined for three days. APPLIANCE FOR MOBILITY

Alex used crutches.

Non-surgical Surgical

¾ Hip.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3,000

$6,000

¾ Knee (except patella).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500

$3,000

¾ Ankle, bone or bones of the foot (other than toes). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

$2,400

¾ Collarbone (sternoclavicular).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $800

$1,600

¾ Collarbone (acromioclavicular and separation).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200

$400

¾ Lower jaw.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $720

$1,440

¾ Shoulder (glenohumeral).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

$2,400

PHYSICAL THERAPY

¾ Elbow. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $450

$900

Alex had eight sessions of PT to help him regain the strength in his leg.

¾ Wrist.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600

$1,200

¾ Bone(s) of the hand, (other than fingers).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $810

$1,620

¾ Finger, toe.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200

$400

DOCTORʼS OFFICE VISIT

Over the next several weeks, he had three follow-up appointments with his doctor.

¾ Incomplete dislocation or dislocation reduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25% of the applicable without anesthesia non-surgical amount Emergency dental work ¾ Dental crown or denture.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 ¾ Dental extraction.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $100

ALEXʼS OUT-OF-POCKET EXPENSES When Alex totaled up the bills, he had to pay his annual deductible, as well as co-payments for the ambulance, emergency room, hospital, surgery, physical therapy and follow-up visits. Luckily, Alex had accident coverage to help with these expenses. ALEX’S BENEFITS Ambulance

$300

Emergency room visit

$150

X-ray Hospital admission

$60 $1,000

Eye injury.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . $300 With surgical repair or removal of a foreign object Fracture (broken bone)

Non-surgical Surgical

¾ Skull, depressed fracture (except face/nose).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3,750

$7,500

¾ Skull, simple non-depressed fracture (except face/nose) . . . . . . . . . . . . . . . . . . . . . . . . $1,800

$3,600

¾ Hip, thigh (femur).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3,150

$6,300

¾ Body of vertebrae (excluding vertebral processes).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,700

$5,400

¾ Pelvis. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,400

$4,800

¾ Leg (tibia and/or fibula).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,800

$3,600

¾ Bones of the face or nose (except mandible or maxilla).. . . . . . . . . . . . . . . . . . . . . . . . . . . $910

$1,820

¾ Upper jaw, maxilla, upper arm between. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,050 elbow and shoulder

$2,100

¾ Lower jaw, mandible.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

$2,400

¾ Kneecap, ankle, foot.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

$2,400 $2,400

Hospital confinement

$750

¾ Shoulder blade, collarbone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

Leg fracture (surgical)

$3,600

¾ Vertebral processes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $630

$1,260

¾ Forearm, hand, wrist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,200

$2,400

¾ Rib. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $375

$750

¾ Coccyx. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $320

$640

¾ Finger, toe. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200

$400

Physical therapy

$360

Appliance (crutches)

$100

Doctor’s follow-up office visit

$150

$6,470

¾ Chip fracture. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25% of the applicable non-surgical amount

For illustrative purposes only. Benefit amounts may vary and may not cover all expenses. The certificate has exclusions and limitations.

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Hospital admission. ............................................................ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000 Per covered person per covered accident Hospital confinement. . ......................................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250 per day Up to 365 days per covered person per covered accident Hospital intensive care unit admission. . ................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,750 Per covered person per covered accident Hospital intensive care unit confinement................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$400 per day Up to 15 days per covered person per covered accident Knee cartilage (torn)............................................................ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $750 Laceration (no repair, without stitches)....................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$50 Laceration (repaired by stitches) ¾ Total of all lacerations is less than two inches long.. ................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 ¾ Total of all lacerations is at least two but less than six inches long. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 ¾ Total of all lacerations is six inches or longer.......................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 Lodging (companion).......................................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200 per day Up to 30 days per covered person per covered accident Medical imaging study (CT, CAT scan, EEG, MR or MRI)................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200 One benefit per covered person per covered accident per calendar year Occupational or physical therapy............................................ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $45 per day Up to 10 days per covered person per covered accident Pain management for epidural anesthesia................................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 Prosthetic device/artificial limb One benefit per covered person per covered accident ¾ One......................................................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,250 ¾ More than one. . ........................................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500 Rehabilitation unit confinement.............................................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150 per day Immediately after a period of hospital confinement due to a covered accident; up to 15 days per covered person per covered accident, not to exceed 30 days per covered person per calendar year Ruptured disc with surgical repair. .......................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $900 Surgery

For more information, talk with your benefits counselor.

¾ Cranial, open abdominal and thoracic................................ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 ¾ Hernia with surgical repair.............................................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 Surgery (exploratory and arthroscopic). ..................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $225 Tendon/ligament/rotator cuff ¾ One with surgical repair................................................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $900 ¾ Two or more with surgical repair....................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,800 Transportation for hospital confinement................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $600 per round trip Up to three round trips for more than 50 miles from home per covered person per covered accident X-ray. . . . . . . ......................................................................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$60

GAC4000 – PREFERRED PLAN

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Group Limited Benefit Accident Insurance Health Screening Benefit

This benefit can help pay for routine preventive tests and services.

Health screening ................................ ................................................ $50 Payable once per covered person per calendar year; subject to a 30-day waiting period Blood test for triglycerides

Mammography

Bone marrow testing

Pap smear

Breast ultrasound

PSA (blood test for prostate cancer)

CA 15-3 (blood test for breast cancer)

Serum cholesterol test for HDL and LDL levels

CA 125 (blood test for ovarian cancer) Carotid Doppler

Serum protein electrophoresis (blood test for myeloma)

CEA (blood test for colon cancer)

Skin cancer biopsy

Chest X-ray

Stress test on a bicycle or treadmill

Colonoscopy

Thermography

Echocardiogram (ECHO)

ThinPrep pap test

Electrocardiogram (EKG, ECG)

Virtual colonoscopy

Fasting blood glucose test Flexible sigmoidoscopy

For more information, talk with your benefits counselor.

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Hemoccult stool analysis

HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs. The covered person must incur a charge and the certificate must be in force for benefits to be payable. This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may affect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy form GACC1.0-P-CO and certificate form GACC1.0-C-CO. Premium at the effective date will vary according to the family coverage type. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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GAC4000 - HEALTH SCREENING | 5-18 | 101865-CO

HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE

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This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs. THIS CERTIFICATE PROVIDES LIMITED BENEFITS.

EXCLUSIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of a covered personĘźs felonies or illegal occupations, hazardous avocations, racing, semi-professional or professional sports, sickness, suicide or injuries which any covered person intentionally does to himself, war or armed conflict. In addition, we will not pay Catastrophic Accident benefits for injuries a child received during birth, or for injuries that are the result of being intoxicated or under the influence of any narcotics. This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may affect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. This brochure is applicable to policy form GACC1.0-P-CO and certificate form GACC1.0-C-CO. Premium at the effective date will vary according to the family coverage type. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ÂŠ2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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5-18 | 101862-CO

Group Critical Care Insurance (Guaranteed Issue)

Have you thought about the financial problems a critical illness can cause? Help preserve you lifestyle with Colonial Life’s Specified Disease Critical Illness Insurance Critical illness insurance plans complement major medical coverage by helping you pay the direct and indirect costs associated with a specified critical illness.

Features of Colonial’s Critical Care Insurance     

Benefits are paid directly to you Benefits are paid regardless of any other insurance you may have with other insurance companies Ongoing benefits for cancer treatment and care May pay multiple times for a covered critical illness You can take your coverage with you if you change jobs or retire

With Critical Care Insurance through Colonial Life benefits are paid for Critical Illness Conditions such as:          

Heart Attack (Myocardial Infarction) Stroke End Stage Renal (Kidney Failure) Major Organ Failure Coma Permanent Paralysis Due to a Covered Accident Blindness Occupational Infectious HIV or Occupational Infectious Hepatitis B,C or D Coronary Artery Disease Cancer

Per Monthly Deductions Includes a $50 Health Screening, CANCER, Subsequent Diagnosis $10,000 $20,000 $30,000 Employee $19.73 $36.93 $54.13 Employee/Spouse $30.02 $56.12 $82.22 One- Parent Family $20.13 $37.73 $55.33 Two- Parent Family $30.32 $56.72 $83.12 *The spouse and dependent child(ren) benefit is 50% of the employee benefit.

Here when you need us

$40,000 $71.33 $108.32 $72.93 $109.52

$50,000 $88.53 $134.42 $90.53 $135.92

Customer Service

800.325.4368 6am to 6pm MST

Visit The Policyholder Website: My Colonial Life Go to coloniallife.com, click on Sign Up and complete a short registration.

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Group Critical Illness Insurance Plan 2 Full

If you’re diagnosed with a covered critical illness or cancer, group critical illness insurance* from Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery. *The policy name is Critical Illness and Cancer Group Specified Disease Insurance.

Face amount: $10,000 or $20,000 or $30,000 or $40,000 or $50,000

Critical illness benefit For the diagnosis of this covered critical illness condition:1

For more information, talk with your benefits counselor.

ColonialLife.com

This percentage of the face amount is payable:

Heart attack (myocardial infarction)

100%

Stroke

100%

End-stage renal (kidney) failure

100%

Major organ failure

100%

Coma

100%

Permanent paralysis due to a covered accident

100%

Blindness

100%

Occupational infectious HIV or occupational infectious hepatitis B, C or D

100%

Coronary artery bypass graft surgery/disease2

25%

Subsequent diagnosis of a different critical illness3 If you receive a benefit for a critical illness, and later you are diagnosed with a different critical illness, the original percentage of the face amount is payable for that particular critical illness. Subsequent diagnosis of the same critical illness3 If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass graft surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.

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GROUP CRITICAL CARE PLAN 2 FULL

Diagnosis of cancer benefit Covered cancer benefits For this condition:1

The amount payable is:

Diagnosis of cancer (internal or invasive)

100% of the face amount

Diagnosis of carcinoma in situ

25% of the face amount

Skin cancer

$500

Cancer vaccine benefit: . ............................................................................... $50 This benefit is payable if you or your covered family members incur a charge for any FDA-approved cancer vaccine while your certificate is inforce.

1 Please refer to the certificate for complete definitions of covered conditions. 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass graft surgery when health savings account (HSA) compliant plan is selected. 3 Dates of diagnoses of a covered critical illness must be separated by at least 180 days. THIS POLICY PROVIDES LIMITED BENEFITS. Insureds in MA must be covered by comprehensive health insurance before applying for this coverage.

EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS

ColonialLife.com

We will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.

EXCLUSIONS AND LIMITATIONS FOR CANCER We will not pay the Diagnosis of Cancer Benefit, Diagnosis of Carcinoma in Situ Benefit, the Cancer Treatment and Care Benefit or the Skin Cancer Benefit for a covered person’s cancer (internal or invasive), carcinoma in situ or skin cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having cancer (internal or invasive), carcinoma in situ or skin cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while you are covered under the policy, and who are continuously covered from the date of birth or adoption. This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C (including state abbreviations where used, for example: GCC1.0-C-TX). The certificate or its provisions may vary or be unavailable in some states. Please see your Colonial Life benefits counselor for details. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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11-16 | 100361-1

Critical Illness Insurance Health Screening Benefit

The optional health screening benefit can help you reduce the risk of serious illness through early detection. Health screening benefit ................................................................ $50 Maximum of one screening test per covered person per calendar year.

Blood test for triglycerides

Pap smear

Bone marrow testing

PSA (blood test for prostate cancer)

Breast ultrasound

Serum cholesterol test for HDL and LDL levels

CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) Carotid Doppler CEA (blood test for colon cancer) Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG)

For more information, talk with your benefits counselor.

Fasting blood glucose test

Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopy

Flexible sigmoidoscopy Hemoccult stool analysis Mammography

ColonialLife.com

For cost and complete details, see your Colonial Life benefits counselor. Applicable to form CI-1.0-P and GCC1.0-P (including state abbreviations where used, for example: CI-1.0-P-TX and GCC1.0-P-TX). Coverage may vary by state and may not be available in all states. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. GROUP CRITICAL CARE, CRITICAL ILLNESS 1.0 – HEALTH SCREENING BENEFIT | 10-16 | 100355-2

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Legal Insurance from ARAG® Designed for Valley View

Save Time and Money with Legal Insurance Legal insurance helps you address everyday situations like dealing with traffic tickets, resolving warranty issues or buying a home. When you need help, don’t waste time looking for the right attorney or paying costly attorney fees, which average $347 per hour.1

What Do I Get for My Money? In-Office Services: You receive access to a nationwide network of more than 11,000 credentialed attorneys who can advise and represent you. Telephone Advice: You can call a Network Attorney for unlimited legal advice to help prepare documents, letters or a will. Online Resources: ARAG provides online tools and useful information to learn more about legal issues on your own. Use our DIY Docs® to help you create any of 300+ statespecific, legally valid documents online.

Common Legal Issues:

Identity Theft Protection! At ARAG, we constantly work to give members even more value for their money. That’s why we’ve included identity theft protection with UltimateAdvisor Plus.* This service can track your credit activity or online identity and you’re notified immediately of suspicious activity.

Attorney Fees @ 347/hr.1

Network Attorney Fees with ARAG2

Debt Collection Issues

$2,603

Neighbor Dispute

$2,256

Purchase a Home

$2,169

Standard Will Preparation

$1,475

Bankruptcy

$3,123

Minor Traffic Offense

$1,128

What Does it Cost? UltimateAdvisor® Plus

UltimateAdvisor®

Family: $24.00 Per Month

Family: $18.00 Per Month

800-247-4184 ARAGLegalCenter.com, Access Code 18242vvh

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Legal Insurance from ARAG® Count on a wide range of coverage and services, like the examples shown below, that address the legal matters you encounter in life: For your organization’s complete list of covered matters and coverage levels, visit ARAGLegalCenter.com, Access Code 18242vvh. Plan Options

Ultimate Advisor®

Ultimate Advisor Plus™



Consumer Protection Auto Repairs, Buy/Sell a Car, Consumer Fraud, Contractors and More



Revocable Living Trusts Irrevocable Living Trusts Estate Administration & Closing (9 Hours)



Contested Divorce (15 Hours) Contested Divorce (10 Hours) Uncontested Divorce

Ultimate Advisor Plus™

Identity Theft Services



Full Service Identity Restoration



$1 Million Identity Theft Insurance*



Single-Bureau Credit Monitoring



Internet Surveillance



Child Monitoring



Lost Wallet Services



Credit Record Correction



Taxes

Family Adoption

Ultimate Advisor®

Identity Theft

Estate Planning Wills and Powers of Attorney

Plan Options



Tax Services



IRS Audit Protection



IRS Collection Defense



State Tax Audit



Property Tax



Debt

Child Support Enforcement (8 Hours) Post Decree Enforcement (8 Hours) Post Decree Defense (8 Hours)



Guardianship/Conservatorship



Uncontested Guardianship/Conservatorship



Bankruptcy



Defense of Debt Collection



Name Change



Prenuptial Agreements



Foreclosure

Domestic Violence Protection



Defense of Garnishment

Mental Incompetency or Infirmity



Criminal

School Administrative Hearings



Criminal Misdemeanor Defense Habeas Corpus

Caregiving Annual Checkup, Advice and Services



Real Estate



Parental Responsibilities



Juvenile Court



Buy/Sell - Primary Residence



Civil Damage Defense

Buy/Sell - Secondary Residence



Libel/Slander, Pet-Related Matters and More

Refinance - Primary Residence



General Coverages

Real Estate Disputes - Primary Residence



Small Claims Court General In-Office Services (4 Hours)



Real Estate Disputes - Secondary Residence



Neighbor Disputes - Primary Residence



Document Preparation and Review



$18.00

$24.00

Neighbor Disputes - Secondary Residence



Personal Property Protection

Easement



Premium Rate

Zoning and Variances



Family Per Month

Building Codes



Disputes with a Landlord - Contracts, Lease, Eviction, Deposits



Traffic and Vehicle Minor Traffic - 1 Use Per Year (Excluding DWI)



Minor Traffic - Unlimited (Excluding DWI)



Driving Privilege Restoration (Excluding DWI)



Driving Privilege Protection (Excluding DWI)



Financial Services Financial Education and Counseling Services



Immigration Immigration Services



Benefits Social Security/Veterans/Medicare

You’ll also receive a minimum 25% reduced fee on a Network Attorney’s normal rate for any other non-covered, non-excluded issues.



800-247-4184

ARAGLegalCenter.com, Access Code 18242vvh Limitations and exclusions apply. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call our toll-free number. 1 Average attorney rates in the United States of $347 per hour for attorneys with 11 to 15 years of experience, Survey of Law Firm Economics, The National Law Journal and ALM Legal Intelligence, July 2015. 2Attorney fees are 100% paid in full when using an ARAG Network Attorney for a covered legal matter. 3Attorney costs calculated by multiplying the 2015 ARAG Claims Data by the average attorney rate in the United States of $347 per hour for attorneys with 11-15 years of experience.

*Eligibility, coverage, limitations and exclusions are governed by a separate coverage document. Please see the identity theft plan summary for details.

501333

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Critical Care Air Medical Transport Search & Rescue Service

MEMBERSHIP PLAN OUR FAMILY SERVING YOUR FAMILY

ABOUT OUR AIR AMBULANCE SERVICE

MEMBERSHIP BENEFITS

Classic Air Medical is on call 24 hours a day to ensure safe, rapid, critical care air medical transport when an illness or injury demands skilled emergency medical care. Medical teams at Classic Air Medical respond with clinical expertise, respect, safety and compassion as they care for patients and their family members.

Valley View Hospital provides the Classic Air Medical Air Ambulance Membership Plan to all employees at no cost. To qualify, a patient must have health insurance:

Classic Air Medical is firmly committed to providing highly trained personnel, well-equipped aircraft and a network of coordinated teams linking the region’s major hospitals and first responders. Each component is critical for the fastest, most efficient response to medical emergencies.

HOW IT WORKS

Classic Air Medical teams follow best practices in treating medical emergencies, giving patients the highest level of care from initial patient pickup to hospital delivery.

• Eliminates out-of-pocket costs for emergency air transportation to the patient. • Coordinates with the patient’s health insurance company for billing.

Membership benefits take effect January 1st for existing employees or 1st of the month following or coinciding with hire date. In the event of a medically necessary transport all payments received by the patient for the transport are transferred to Classic Air Medical as payment for services. Sources of those payments may include health, medical, auto, supplemental insurance, workers compensation and liability plans and policies. Classic Air Medical does not do interfacility transport of neonates or high risk OB patients.

Excellence

Safety

Availability

• Critical Care Certified • Expertly Trained Nurse/Paramedic Teams • Pediatric Capabilities • Difficult Terrain Access • Search and Rescue

• Highly Experienced Pilots • Advanced Avionics • Night Vision Equipped Standard

• On Duty 24/ 7/365 • Additional Regional Ai rcraft • Fixed Wing Capable

• Modern Ai rcraft Technology

• Rapid Response Times

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800.873.7138 | www.MINESandAssociates.com

Live well, live balanced, live life

Counseling

Online

As an employee of Valley View Hospital, you and your household members are entitled to free and confidential counseling services for everyday issues including stress, anxiety, depression, family issues, drug and alcohol abuse, relationships, death and grief, and work related issues. Available 24 hours a day, 7 days a week.

service helps you reduce stress, find balance in your life, and develop yourself personally and professionally with thousands of forms, articles, assessments, and online training on everything from resilience and wellbeing resources to financial forms and computer software skills.

Legal & Financial

Work/Life

Your Financial and Legal benefits from MINES entitles you and your household members to a free 30-minute office or telephone consult per separate legal or financial matter. Additionally you will receive a 25% discount on select services needed after the initial consult.

Your online PersonalAdvantage

Balancing work and family can be difficult. For everything from finding the right care for your children or elderly loved ones, to knowing where to find a good pet sitter, MINES can help. Call for unlimited work/life services to help find the right provider for your needs so you can rest easy.

Your info

You have 5 sessions available per issue*, per year to you and your household members To access services: Call MINES at 1-800-873-7138 To access online resources: Visit minesandassociates.com Username: valleyview Password: employee

Wellness

No matter your wellness goals, MINES can help. Use up to 4 free and confidential wellness sessions per year with professional coaches to help you assess your level of wellbeing, set goals around your individual needs, and check-in to ensure youâ&#x20AC;&#x2122;re on track for success.

*Per Issue: Separate and distinct situations. A MINES case manager will review requests for additional sets of sessions. This guide is for informational purposes only. Call MINES for specific information about benefits, limitations, and exclusions.

MINES and Associates | 800.873.7138 | www.MINESandAssociates.com Return to Table of Contents

A Guide to Your Employee Assistance Program Your Counseling Services

Your contract year: 1/1 - 12/31

As a Valley View Hospital employee, you and your household members are entitled to up to 5 counseling sessions per issue*, per contract year, free of charge. When you call in for a referral, you can choose to be scheduled for a face-to-face appointment in an area of your choosing (near your office, near your home, etc.) or you may choose to access your sessions telephonically. The use of your Employee Assistance Program is strictly confidential and available 24/7. We are here to help with the everyday issues that come up in your life, including: • • • •

Stress Career Family Issues Death and Grief

• • • •

Anxiety Financial Problems Drug/Alcohol Abuse Eating Disorders

• • • •

Depression Legal Referrals Relationships Work-Related Issues

Your Online Benefits Your online PersonalAdvantage page contains thousands of resource articles, self-search locators, interactive

online training, wellness self-assessments, and videos. You will also find a wealth of online resources under categories ranging from grief and loss to managing your 401k. Visit: www.MINESandAssociates.com Your log-in information is: Username: valleyview

Password: employee

Your Financial/Legal Benefits Each employee, and their household members, is entitled to one initial 30-minute office or telephone consult per separate legal matter at no cost with a network attorney. You also have financial counselors to advise you via telephonic consultations that are limited between thirty and sixty minutes per issue. Other tools under the MINES financial/legal benefit include mediation, tax consultation and preparation, and “Do-it-Yourself” legal forms and document preparation.

Your Work/Life Referral Services Finding the right dependent care provider can be a time-consuming and exhausting endeavor. You and your household members have access to unlimited specialized work/life services that provide information, research, and referrals for childcare, eldercare, and convenience services. This can include: • • • •

Assisted Living Facilities Caregiver Support Community Services Medicare/Medicaid

• • • •

Childcare centers Adoption Services New Parents/Pregnancy Special Needs

• • • •

Fitness Classes Home-based Services Pet Care Repair Services

Your Wellness Coaching Each employee and their household members can utilize up to 4 sessions per year to access free and confidential 20 to 30-minute telephonic coaching sessions to help reach individual wellness goals. Each certified wellness coach can help assess current wellness needs around a variety of topics, help you set specific wellness goals, and do regular progress checks to help answer questions along the way to help you reach your wellness objectives. Topics include weight loss, fitness, nutrition, healthy habits, stress, health concerns, caffeine reduction, injury recovery, physical training, relationship development, sleep issues, smoking cessation, and more. *Per Issue: Separate and distinct situations. A MINES case manager will review requests for additional sets of sessions. This guide is for informational purposes only. Call MINES for specific information about benefits, limitations, and exclusions.

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Legal and Financial Services Here at MINES, we understand the challenges that arise when it comes to legal matters and financial issues. For everything from preparing a will to filing taxes, we are dedicated to working to find you the best help that you can get. Call into MINES for both legal and financial referrals so you can find the right solution to fit your needs and circumstances. We are here to guide you down the right path when it may be difficult to make sense of all the available options.

Overview of Legal Benefits Each member is entitled to one initial thirty-minute office or telephone consultation per separate legal matter at no cost with a network attorney. In the event that you wish to retain a participating attorney after the initial consultation, you will be provided with a preferred rate reduction of 25% from the attorney’s normal hourly rate. Virtually all types of legal matters are eligible for these services. Matters involving disputes- or actions between members and their employer, CLC Incorporated or its plan sponsors, agents or their officers, directors or employees, are specifically excluded from eligibility for this plan.

Mediation Each member is entitled to one initial thirty-minute office or telephone consultation per separate legal matter at no cost with a network mediator. In the event that the member wishes to retain a participating mediator after the initial consultation, they will be provided with a preferred rate reduction of 25% from the mediator’s normal hourly rate. Typical matters may include divorce and child custody, contractual and consumer disputes, real estate and landlord tenant, car accidents and insurance disputes, etc. “Do-It-Yourself’ Legal Forms Document Preparation Our simple and inexpensive online/assisted (members will have access to telephonic document preparers) process will enable consumers to complete their own legal document preparation from the comfort of their home, without incurring the cost of an attorney, or dealing with lengthy completion and delivery periods. Members will receive a preferred discount of 10% off. The types of forms include divorce, wills, living wills, power of attorneys, immigration, and much more. Attorney-Assisted Will Preparation For a separate fee, members may choose to prepare a will with the assistance of an attorney. A simple questionnaire will be sent out in a “Will-Kit” to be filled out by the member and returned to an attorney. The attorney may discuss and recommend other estate planning services to properly protect your estate. If, during the initial consultation, it is determined that a simple will does not meet your needs,

you may obtain other estate-planning services at a preferred rate of 25% off the attorney’s normal fees. Civil/Consumer Issues This category includes issues relating to retail transactions, warranty and other consumer product matters, issues relating to governmental entitlements and benefits, advice on small claims court, and other general legal matters. Personal/Family Legal Services These services include adoption and guardianship, custody and support matters, divorce, separation and annulment issues, and name changes, as well as other domestic or family law issues. Business Legal Services This category provides for advice, consultation, and representation for contracts, incorporation, partnerships, and other commercial activities. Criminal Matters These services include the defense of both misdemeanor as well as felony criminal acts of all kinds. Immigration and Naturalization This category of services includes green cards, U.S. citizenship, work and student visas, family based immigration, deportation and removal defense, INS and immigration court appeals, asylum, and many other immigration issues.

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Overview of Financial Benefits Each member is entitled to telephonic consultation with CLC’s financial counselors at no cost. Typical matters include credit counseling, debt and budgeting assistance, tax planning, and retirement and college planning questions. These services are provided by seasoned financial professionals and licensed CPA’s. Telephone consultations are generally limited to between thirty and sixty minutes per issue. Local referrals are available for more complex financial planning issues. Tax Consultation and Preparation Members are entitled to receive a 30-minute telephonic income tax planning-related consultation per year on each separate tax issue they encounter. Preparation of all personal income tax documents are prepared by a CPA at a preferred rate reduction of 25% of the CPA’s normal fee. Financial Matters Members are entitled to bankruptcy representation and defense of lending related legal issues by appropriately qualified attorneys. Real Estate Real estate services include assistance in the acquisition or sale of real property, lease and rental agreements, property boundary disputes, and other matters surrounding personal real property. IRS Matters These services are performed by fomer, senior level, IRS employees. These specialists possess the ability to negotiate with the IRS on the member’s behalf, whether in an audit environment or to assist them with a lien or a balance due, in order to affect the most favorable outcome. Estate Planning Law CLC has secured relationships with estate planning law firms that have agreed to prepare the most popular of estate planning/asset preservation vehicles at prices as low as 25% off usual fees. These services include wills, revocable living trusts, charitable trusts, etc.

Financial Services It is becoming increasingly important for individuals to plan for the future. There are many areas in which the professionals we have contracted with can help members with ther retirement planning needs. One of the most effective ways to meet this objective is to manage cash flow and invest it properly to reach desired levels of saving. The professionals who we can refer members to will assist them in charting a path which will assist them to accumulate savings and invest the savings into a well diversified portfolio. Personal Services: Retirement Planning College Funding Life Insurance Needs Estate Conservation Charitable Giving IRA Funding General Budget Assistance Attorney-Assisted Will Preparation Business Services: Buy-Sell Funding Deferred Compensation Executive Bonus Key Person Protection Voluntary Payroll Deduction Programs Qualified Plan Funding (SEP, 401(k)s, Keoghs, Pensions)

How to Access Services Call MINES to request a telephone appointment with a staff member. If you are not in our system, a MINES staff member will ask some basic questions such as your name, address, company, etc. After giving a MINES staff member information regarding your legal and financial needs, you will be transferred to a representative of CLC Incorporated. If you have any additional questions or need other information, MINES staff will be happy to assist you. Each member will be provided with unlimited access to online resources with information on a selection of legal and financial topics, financial calculators, financial forms, professionally-written articles, FAQs, and much more. Go to www.MINESandAssociates.com and enter your username and password in the “Employee Services” column on the right under the PersonalAdvantage section, then navigate to either the “legal” or “financial” tab to access your online legal resources and financial tools.

Username: valleyview Password: employee This guide is for informational purposes only. Call MINES for specific information about benefits, limitations, and exclusions. Return to Table of Contents

COMPARISON OF VALLEY VIEW HOSPITAL 403(b) AND 401(a) MONEY PURCHASE PLANS 403(b) Plan When can I enroll in the Plan?

Can I contribute to the Plan?

What does the Company contribute to the Plan?

Immediately; no waiting period required.

You are permitted to contribute to this 403(b) Plan. The annual deduction limit is $19,000 in 2019. If you are at least age 50, in 2019 you may contribute an additional $6,000 per year.

401(a) Money Purchase You are enrolled in the plan on the 1st day of the month following the date you meet the plan eligibility requirements. You must designate at least one beneficiary. You are not permitted to contribute to this Money Purchase Plan.

The Company contributes 5% of your total compensation, up to $11,058. For compensation between $132,900 and $280,000 in 2019, the Company will contribute 3%. Please see the Summary Plan Description for more details. No.

N/A

Yes. Can I make after tax Roth contributions?

When will my contributions be vested?

No vesting schedule required. You are immediately 100% vested.

Vesting schedule is as follows: Years of Service * Vested % Less than 2 0% 2 20% 3 40% 4 60% 5 or more 100% *Includes all years of service at VVH. You must work at least 1,000 hours in each year to count toward vesting.

When will I receive my Plan benefits?

May I take a loan from the Plan?

May I direct the investment of my account? Is more information about the Plan available?

Your 403(b) account will be available to you when you leave the Company. For example if you change jobs or retire.

Your Money Purchase Plan account will be available to you when you leave the Company. For example if you change jobs or retire.

Yes. However, loans are subject to certain restrictions. Please see the Summary Plan Description for details.

No.

Yes. You may choose from the list of investment funds available and as stated in the Enrollment Booklet. You may also discuss the appropriateness of your investment choices with your investment advisor. More detailed information is available to you on the VVH Intranet under Human Resources. This outline is intended to provide you with some of the general provisions of all 403(b) and Money Purchase Plans and those specific to your Plan. The actual provisions of your Planâ&#x20AC;&#x2122;s legal document will govern your rights and benefits.

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DISTRIBUTION OPTION COMPARISON OF VALLEY VIEW HOSPITAL 403(b) AND 401(a) MONEY PURCHASE PLANS 403(b) Plan If I terminate my employment, when can I take my distribution from the plan?

What if I terminate employment and do not want to take my money out of the plan right away?

Can I withdraw money from the plan while I am still employed?

You may request distribution from your account immediately upon your termination of service with the employer. Please contact the financial institution for the appropriate forms. Your distribution may be delayed until the contributions from your final payroll have been deposited to the plan’s trust account. Once you terminate service, your employer will contact you about taking your distribution from the plan by sending you a notice explaining your options for distribution. Please note: how long you can keep your money in the plan after you are no longer employed depends on the amount of your vested balance: 1) If your total vested balance is greater than $5,000, then you may keep your money invested in the plan until you reach Normal Retirement Age (65). 2) If your total vested balance in the plan is under $1,000, then the employer may choose to distribute your balance to you in cash, minus the appropriate Federal tax withholding, if you do not return the distribution election paperwork sent to you within 30 days. 3) If your vested balance is between $1,000 and $5,000, then the employer could do a direct rollover to an IRA account on your behalf without your consent, provided you have failed to respond to the distribution election paperwork sent to you within 30 days. The plan allows in-service distributions once you have obtained age 59 ½. You may continue working and continue contributing to the plan even if you have taken this type of in-service withdrawal. The plan also allows in-service withdrawals prior to age 59 ½ if you meet the requirements for a hardship withdrawal. The Plan Administrator will determine if you meet the IRS Safe Harbor definition for a hardship withdrawal. The reasons that meet the requirements for a hardship withdrawal are stated in the Summary Plan Description. If you take a hardship withdrawal from the plan, the Plan Administrator is required to suspend your employee elective contributions to the plan for a period of 6 months. You may resume contributing elective deferrals after that 6 month period is up.

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401(a) Money Purchase You may request distribution from your account immediately upon your termination of service with the employer. Please contact the financial institution for the appropriate forms. Your distribution may be delayed until the contributions from your final payroll have been deposited to the plan’s trust account. Once you terminate service, your employer will contact you about taking your distribution from the plan by sending you a notice explaining your options for distribution. Please note: how long you can keep your money in the plan after you are no longer employed depends on the amount of your vested balance: 1) If your total vested balance is greater than $5,000, then you may keep your money invested in the plan until you reach Normal Retirement Age (65). 2) If your total vested balance in the plan is under $1,000, then the employer may choose to distribute your balance to you in cash, minus the appropriate Federal tax withholding, if you do not return the distribution election paperwork sent to you within 30 days. 3) If your vested balance is between $1,000 and $5,000, then the employer could do a direct rollover to an IRA account on your behalf without your consent, provided you have failed to respond to the distribution election paperwork sent to you within 30 days. The plan allows in-service distributions of all sources of money once you have obtained Normal Retirement Age (65), and are 100% vested, even if you are still actively employed.

Do something good for yourself It’s easy to get started The steps you take today will affect how you spend tomorrow. On your journey to retirement do something good for yourself by planning ahead for the kind of future you envision. Enroll in your employer’s retirement savings plan to set a little aside regularly for the kind of retirement you can look forward to.

1 2

Go to enroll.voya.com

5 reasons to enroll now

Enter plan number 1. Make changes anytime

666355

2.Save automatically

Enter veriﬁcation number 154457

3. Help lower your taxable income 4. Invest your way 5.Take your money with you

VALLEY VIEW HOSPITAL 403B PLAN

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency

Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). Fixed annuities are issued by VRIAC. VRIAC is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC (“VIPS”). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by Voya Institutional Trust Company. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. All products or services may not be available in all states. 175191 3042727.X.P © 2016 Voya Services Company. All rights reserved. CN0119-30364-0219D

Voya.com

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Roth 403(b) A 403(b) savings opportunity

How does the Roth 403(b) work? Contributions: The limits for the contributions you make to your 403(b) program apply to your combined traditional pre-tax 403(b) and the Roth after-tax 403(b). For current IRS limits on retirement savings account contributions, go to www.voya.com/IRSlimits.

What is a Roth 403(b)?

If your employer offers a Roth 403(b) option under its 403(b) program, you have a savings opportunity to consider. You can make contributions on an after-tax basis to the Roth 403(b), on a pre-tax basis to the traditional 403(b) you have today, or to a combination of the two. You choose, based on what is best for your personal circumstances and savings objectives.

Contributions to your traditional 403(b) are not subject to federal (or state in most states) income tax withholding while contributions to your Roth 403(b) are subject to up front income tax withholding. Distributions: Distributions from your traditional pre-tax 403(b) are taxed at ordinary income tax rates in the year the money is distributed, while distributions including related earnings from your Roth 403(b) may be taxfree for federal income tax purposes (check the state tax rules in your own state) provided they are Qualified Distributions. A Qualified Distribution must meet the following criteria: 1. The funds must be held for a 5-year holding period, dating from the earlier of: a) the first year that you contribute to any Roth 403(b) account in your employer’s plan or, b) if you make a direct rollover contribution to your Roth 403(b) from another plan with a designated Roth account, the first year you made a Roth contribution to that plan from which the direct rollover originated. And: 2. The distribution must be made on or after you have reached age 591⁄2, or become disabled or made to your beneficiary(ies) after your death.

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What are the features of a Roth 403(b)? The main difference of the Roth 403(b) will be realized when you retire. As long as your withdrawal meets the Qualified Distributions rules, there will be no federal income tax due (or state income tax in most states). In contrast, distributions from a traditional 403(b) will be subject to income tax in the year the money is distributed to you, unless you elect to roll it over to another eligible retirement plan. A 403(b) plan that has a Roth account feature and an in-plan Roth rollover account may permit a participant or spousal beneficiary to roll over pre-tax amounts within the 403(b) plan that are both (1) an eligible rollover distribution and (2) a permissible distribution under the plan document to the plan’s Roth rollover 403(b) account via an in-plan conversion. Comparing the Roth 403(b) to the Roth IRA The Roth 403(b) does not have the income limitations for eligibility that apply to a Roth IRA. In addition, you can defer taxes on more money with the Roth 403(b) compared to the Roth IRA. There are no required minimum distributions in the Roth IRA. Roth 403(b) distributions are required at the later of age 701⁄2 or the date you stop working for your employer. However, you can rollover eligible Roth 403(b) distributions to a Roth IRA regardless of income. The Roth IRA does not have withdrawal restrictions, meaning you can withdraw your Roth IRA funds at any time. Withdrawals from your Roth 403(b) are limited to severance of employment, financial hardship (earnings may not be distributed in the case of hardship), or attainment of age 591⁄2 or upon disability or death.

For 403(b)(1) fixed or variable annuities, employee deferrals (including earnings) may generally be distributed only upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: Hardship withdrawals are limited to employee deferrals made after 12/31/88. Exceptions to the distribution rules: No Internal Revenue Code withdrawal restrictions apply to ‘88 cash value (employee deferrals (including earnings) as of 12/31/88) and employer contributions (including earnings). However, employer contributions made to an annuity contract issued after December 31, 2008 may not be paid or made available before a distributable event occurs. Such amounts may be distributed to a participant or if applicable, the beneficiary: upon the participant’s severance from employment or upon the occurrence of an event, such as after a fixed number of years, the attainment of a stated age, or disability. For 403(b)(7) custodial accounts, employee deferrals and employer contributions (including earnings) may only be distributed upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: hardship withdrawals are limited to: employee deferrals and ‘88 cash value (earnings on employee deferrals and employer contributions (including earnings) as of 12/31/88).

Things to consider As you decide whether you want to make your 403(b) contributions on a pre-tax basis, an after-tax basis, or a combination of the two, your own personal circumstances and financial goals are important. Here are some of the questions you may want to consider:

• Are you willing to pay taxes today for potentially tax-free distributions in the future – or would you prefer to have a current tax benefit and pay taxes on your distributions later? • Can you afford a reduction in take home pay in order to contribute the same amount to your Roth 403(b) as you would contribute to your traditional 403(b)? • Do you expect to be in a higher tax bracked at retirement than you are now? • Have you accumulated substantial amounts in your traditional 403(b)? Could balancing your retirement savings provide estate and tax-planning benefits? Overall tax planning Ask your tax advisor if you believe you may be in one of the following situations: • Contributing to the Roth 403(b) on an after-tax basis instead of to your traditional 403(b) on a pre-tax basis will increase your adjusted gross income. Many tax credits and deductions (for

example, student loan deductions, medical expense deductions and child care tax credits) are based on adjusted gross income limits. • Social Security benefits are taxed if your income exceeds certain limits. Distributions from a traditional 403(b) count as income while distributions from the Roth 403(b) that are tax-free do not. It is possible that this difference could reduce or eliminate taxation of those benefits (depending on your own situation at retirement). Ask your Voya representative for more information As you are determining whether the potential for future distributions on a taxfree basis from the Roth 403(b), versus the benefit of pre-tax contributions with future distributions is the right choice for you, remember that your Voya representative will be glad to offer additional educational information on how both the Roth 403(b) and the traditional 403(b) work.

VoyaRetirementPlans.com Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency

Neither Voya ® nor its affiliated companies or representatives provide tax or legal advice. Please consult a tax adviser or attorney before making a tax-related investment/insurance decision.

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company (“VRIAC”), Windsor, CT or ReliaStar Life Insurance Company, (“ReliaStar”), Minneapolis, MN. VRIAC or ReliaStar is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC (“VIPS”). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All products or services may not be available in all states. Only VRIAC is admitted and its products offered in the state of New York. 158246 3012473.EC.P-12 © 2017 Voya Services Company. All rights reserved. CN0213-30951-0319D

Voya.com 5043568

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Your road to retirement starts with you

Need help logging in? Follow the instructions to track your savings on your road to retirement.

 First time users www.VoyaRetirementPlans.com

Click Register Now Select the way you would like to create your online access. If you select Social Security number and date of birth, follow the instructions including the security questions to conﬁrm your identity. If you prefer to use your Personal Identiﬁcation Number (PIN) and Social Security number, but cannot locate your PIN, you can request a PIN reminder on the website or by calling the Information Line.



Set up a unique username and password for use on the website and the "Voya Retire" mobile app.

Provide your mobile number or an alternate email address to ensure the security of your account. We will use this for the future recovery of your username or password, as needed, or if you login using a computer or device that is not recognized. HINT! Please retain your PIN. If using the Information Line, you will need that same Voya-issued PIN for detailed account information and to perform certain transactions. If helpful, you can customize your PIN through the automated system to something you will more easily remember.

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 Previously registered users www.VoyaRetirementPlans.com Enter your username and password to access your account. I f you have forgotten your username or password, select the appropriate link and follow the instructions to recover your credentials.



To access your statements online, click on the Statements & Documents tab at the top of the page and select Statements.

Access your account on the go Get the “Voya Retire” mobile app to check your account balance and much more on your smartphone*.

 Access your account by phone 1-800-584-6001 Automated Voice Response System You can access your account by phone 24 hours a day, seven days a week. Keep in mind when calling you may need your PIN. If you’re calling and have lost or misplaced your PIN, request a PIN reminder through the automated system or hold for a Customer Service Associate.

You may also access the following (if available): Account balance Loans Investments Contributions and fund elections Other plan information Other options

Questions? Need help? At any time, just press 0 and a Customer Service Associate can help you. They’re available Monday through Friday, 8:00 a.m. to 9:00 p.m. Eastern Time.

N *Search Voya Retire in the Apple App Store® or on Google PlayTM store. You will log in with the same Username and Password used for the Plan website. If your device allows, you can establish fingerprint security. 177926 3046677.X.P © 2017 Voya Services Company. All rights reserved. CN0608-35062-0719D

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Life ahead. Retire the myths, live the reality. Making contribution changes to your Retirement Savings Plan Account: It’s a snap! Your employer’s Plan offers a fast, convenient way to make contribution changes. Using any device with internet access, log onto VoyaRetirementPlans.com whenever you want to view your account, review and make changes to your current contributions, and manage your money. This guide details the steps to make contribution changes.

To enter the site, you’ll need the following information: User ID and Password created when you registered on the site. First-time users will be prompted to create a User ID and Password. You’ll need your Social Security Number and PIN to access the site for the first time. Your default PIN is the 4-digit month and year of your birth. For example, if you were born January, 1972, your default PIN would be 0172.

Get connected: Accessing your plan online

After you’ve accessed your account, click on the Account tab at the top of the page. From there, follow the instructions below:

The Contributions Section

From the Account menu, you can view the Contributions section. You’ll see a few options to choose from: Change Contributions This section allows you to make contribution changes upon your submission of the request. Catch-up Contributions (if eligible) If you are eligible, this section allows you to make catch-up contributions in addition to your regular contributions. Contribution History This section shows the details of the contributions you, and your employer, have made in the past to your Plan account.

Voya.com

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Change contributions: Making changes to your current contribution Step 1: Select your contribution type If your Plan allows you to make more than one type of contribution (pre-tax, after-tax, Roth), you’ll see each, with the option to change it. Be sure to enter “0” for the value of any of the contribution types you don’t want to make a change to. Step 2: Enter your new rate or amount to contribute Next to your current rate or amount, you’ll see a box to type in your desired new rate or amount. This number represents the percentage or amount of your pay you will contribute into the Plan each year. You may be limited to the rate, or the amount you can select, by the IRS or your Plan. Step 3: Review and submit your changes Review the information shown for accuracy. If correct, submit your changes, or click Cancel to start over.

Need help? Speak with a Voya Customer Service Associate (CSA) at (800) 584-6001. CSA’s are available Monday - Friday from 8:00 a.m. - 9:00 p.m. Eastern Time (except on New York Stock Market holidays).

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). Fixed annuities are issued by VRIAC. VRIAC is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC (“VIPS”). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by Voya Institutional Trust Company. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. All products or services may not be available in all states. 158879 3019277.X.P-5 © 2018 Voya Services Company. All rights reserved. CN0607-35049-0719D

Voya.com 5048142

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Take an important step toward your future. Your Retirement Savings Plan Enrollment Guide

VALLEY VIEW HOSPITAL 403B PLAN

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Enroll in your retirement savings plan today! Inside this guide, youâ&#x20AC;&#x2122;ll ďŹ nd what youâ&#x20AC;&#x2122;ll need to join the plan and start saving today for your future. The money you save and invest now â&#x20AC;&#x201C; during your working years â&#x20AC;&#x201C; can have the biggest impact on how much youâ&#x20AC;&#x2122;ll have in retirement. And your employer-sponsored retirement savings plan can help you build the savings youâ&#x20AC;&#x2122;ll need down the road. Your plan offers many beneďŹ ts making it easy and convenient for you to save for your future, including: t QBZSPMM EFEVDUJPO GPS QMBOT QFSNJUUJOH FNQMPZFF contributions) t QPUFOUJBM UBY CFOFmUT TPNF QMBOT NBZ PGGFS UIF BEEJUJPOBM feature of Roth contributions) t BDDFTT UP QSPGFTTJPOBMMZ NBOBHFE JOWFTUNFOUT t UPPMT SFTPVSDFT BOE FEVDBUJPO BEWJDF UP IFMQ ZPV QMBO save and invest.

Next step? t Take the time to read and understand the information in this book. t Contact us if you have questions or need more information. t Fill out the forms in the back of this book and submit to your local representative.

&YQFSUT FTUJNBUF UIBU ZPV MM OFFE UP SFQMBDF BU MFBTU PG ZPVS JODPNF JO SFUJSFNFOU â&#x20AC;&#x201C; and the bulk of that will come from you. Take the ďŹ rst step today and enroll in your retirement savings plan!

About Voya FinancialÂŽ: 7PZB 'JOBODJBM *OD /:4& 70:" JT DPNQPTFE PG QSFNJFS SFUJSFNFOU JOWFTUNFOU BOE JOTVSBODF DPNQBOJFT TFSWJOH UIF mOBODJBM OFFET PG BQQSPYJNBUFMZ NJMMJPO JOEJWJEVBM BOE JOTUJUVUJPOBM DVTUPNFST JO UIF 6OJUFE 4UBUFT 5IF DPNQBOZ T WJTJPO JT UP CF "NFSJDB T 3FUJSFNFOU $PNQBOZTM and its guiding principle is centered on solving the most daunting ďŹ nancial challenge facing Americans today â&#x20AC;&#x201C; retirement readiness. With a dedicated XPSLGPSDF PG BQQSPYJNBUFMZ FNQMPZFFT 7PZB JT HSPVOEFE JO B DMFBS NJTTJPO UP NBLF B TFDVSF mOBODJBM GVUVSF possible â&#x20AC;&#x201C; one person, one family, one institution at a time. For more information, visit Voya.com.

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It starts with you. Right here, right now.

Where will your income in retirement come from, and how much will be enough?

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Your goal should be to replace at least 70 percent of your working years’ income in retirement1. While you may be able to draw on a few guaranteed sources, what you save during your working years will likely be a critical component of your retirement income. Keep in mind that pension payments don’t always account for rising costs and inﬂation. Additionally, the long-term future of pension beneﬁts and Social Security continue to be hot topics of social debate. It’s now more important than ever to build a reliable stream of supplemental income you can count on in retirement.

Retirement account

Other

Social Security

You need to think differently about the money you save for retirement, that’s why Voya introduced the concept of Orange Money®. It’s the money you save for your retirement, which includes any savings in an employer-sponsored retirement savings plan like the one you can join right now. When you enroll, you can take an important step toward building the income you’ll need – your very own Orange Money for tomorrow. 1 How much should people save? Alicia H. Munnell, Anthony Webb and Wenliang Hou. Center for Retirement Research at Boston College. July 2014. http://crr.bc.edu/wp-content/uploads/2014/07/IB_14-111.pdf Return to Table of Contents

Enrolling in your plan is an important step to saving. Your employer-sponsored retirement savings plan is an opportunity to help you save. t The convenience of payroll deductions Typically, employee deferrals to your retirement plan are automatically deducted from your pay. Itâ&#x20AC;&#x2122;s a way to ensure you are always â&#x20AC;&#x153;paying yourself ďŹ rstâ&#x20AC;? with the money you make before you spend it elsewhere. t -PXFS ZPVS UBYBCMF JODPNF BMPOH UIF XBZ When you contribute to your plan on a pre-tax basis (that is, before taxes are taken out of your paycheck), every dollar you save reduces your current taxable income by a dollar. So you end up paying less in taxes today. You could get a tax break each year just for saving for your retirement. You will pay taxes on your savings and earnings when you withdraw, usually when you are retired. In some cases your plan may allow you to make Roth contributions. Roth contributions are made with your after tax salary. The advantage of utilizing the Roth feature is that your QualiďŹ ed Roth Distributions2 (withdrawal of your Roth contributions and any earnings on those contributions) are free of federal income tax. t :PV NBZ DPOUSPM ZPVS QBDF The amount you decide to save is referred to as your contribution to the plan. In most cases, you stay in control of your saving habits â&#x20AC;&#x201C; the real fuel for your journey.

t :PV PXO UIJT Your contributions and any investment earnings are your Orange Money â&#x20AC;&#x201C; they belong to you and may be transferrable or rolled over into other retirement accounts if you change jobs. (Special rules apply if you are a participant in a 457(b) deferred compensation plan sponsored by a nonproďŹ t organization.) Note that in some cases your employer may contribute to your plan account, and those funds may be subject to a vesting schedule. â&#x20AC;&#x153;Vestingâ&#x20AC;? is a technical term that refers to when you take ownership in those contributions. t *OWFTUNFOU QBUIT DBO IFMQ TUFFS ZPV JO the right direction When you join the plan, you are doing more than just saving. You are also investing your money to help you reach your savings goals. With a wide range of investment options available, you can chose the path that best meets your needs and goals. Additionally, we offer tools and support to help you understand your investment choices and make sound decisions, including: t :PVS MPDBM SFQSFTFOUBUJWF XIP XJMM XPSL XJUI ZPV UP create a customized investment strategy. t 0OMJOF TFSWJDFT UIBU XJMM QSPWJEF HVJEBODF BOE BEWJDF t 5BSHFU EBUF GVOET UIBU UBLF JOUP DPOTJEFSBUJPO ZPVS predicted retirement age. Note that not all plans offer target date funds.

2 To be a QualiďŹ ed Roth Distribution, you must be eligible for a distribution under the plan, typically the funds must be held in the plan for 5 years, and you are at least 59Â˝, have become disabled, or died.

2 Return to Table of Contents

Letâ&#x20AC;&#x2122;s talk time and money. Why is it important to join right now? The sooner you start saving in the plan, the more your savings has the potential to grow over time. This is one journey you donâ&#x20AC;&#x2122;t want to be late for.

Compounded growth Compounding means that each dollar you contribute may generate interest, or grow. That interest can then generate more interest, and so on. Compounding starts slowly but builds momentum over time. In the long run, compounding may have an impact on how much you have at retirement. Thatâ&#x20AC;&#x2122;s why it pays to save as much as you can, as soon as you can!

-POHFS UFSN HSPXUI By contributing to the plan, your savings can really add up over the long term. Not only are your pretax contributions deferred from federal income tax until you retire, but your savings and earnings, if any, are also tax-deferred until withdrawn. This gives your contributions greater potential to grow and compound faster than they would in a taxable account. And while saving early can be a beneďŹ t at the end of your journey, remember youâ&#x20AC;&#x2122;re never too old to take the ďŹ rst step.

So whatâ&#x20AC;&#x2122;s the hurry? There can be a cost in waiting. The power of time and compounding helps you save more of that Orange Money for your retirement. Gloria started saving $100 a month at age 25. After 40 years she saved $191,696.

3015675.X.P-7 (7/15)_p5

Larry started saving $300 a month at age 45. After 20 years he saved $136,694.

TOTAL CONTRIBUTIONS

$48,000

TOTAL SAVINGS

$191,696

TOTAL SAVINGS

$136,694

TOTAL CONTRIBUTIONS

$72,000

+$55,002 Gloria ends up with more when she contributes lessâ&#x20AC;Ś More time to grow! The sooner you TUBSU UIF CFUUFS

The accumulated amounts assume 26 pay periods per year, contributions made at the beginning of each period, and a 6% annual rate of return compounded monthly and a retirement age of 65. This hypothetical illustration is not guaranteed and does not reďŹ&#x201A;ect the performance of any speciďŹ c investment option. It does not take into account the payment of taxes and does not intend to predict investment results. The illustration does not include fees or expenses that an investment product could assess. If included, these fees would reduce the ďŹ gures shown above. Systematic investing does not ensure a proďŹ t or guarantee against loss. You should consider your ability to invest consistently in up as well as down markets. Not intended to serve as ďŹ nancial advice or as a primary basis for your investment decisions. Taxes are generally due upon withdrawal and will depend on tax bracket in elect at that time. This information is not considered legal or tax-advice. If you need legal or tax-advice, consult with a lawyer or tax-advisor.

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Where do you begin? :PVS m STU TUFQ JT UP FOSPMM "OE PODF ZPV SF PO ZPVS XBZ ZPV MM TFF XIZ TBWJOH JO UIF QMBO can be an important way to prepare for your future.

:PV SF OFWFS UPP GBS UP DBMM PS DMJDL PS UBQ

Your plan website and the Voya mobile app, Voya Retire, allows you to securely manage your retirement savings anytime, anywhere. You can make saving and investment changes, learn about ďŹ nancial topics or just check on your progress toward your goals. And if you need help, weâ&#x20AC;&#x2122;re here for you! See how your savings translates into estimated monthly retirement income with myOrangeMoneyÂŽ online or by mobile app. You can model a variety of saving and investment scenarios, add outside income sources and explore how estimated healthcare costs in retirement might impact your income needs. When youâ&#x20AC;&#x2122;re ready to make a change, simply click the â&#x20AC;&#x153;Make Change Nowâ&#x20AC;? button to put your plan into action!

*U T UJNF GPS ZPV UP NBLF ZPVS NPWF t 6OEFSTUBOE UIF CFOFm UT PG ZPVS SFUJSFNFOU TBWJOHT QMBO t $IPTF B DPOUSJCVUJPO SBUF CBTFE PO ZPVS BCJMJUZ UP TBWF now and your retirement goals t $IPTF UIF JOWFTUNFOU PQUJPOT UIBU BSF SJHIU GPS ZPV t 6UJMJ[F BWBJMBCMF UPPMT BOE SFTPVSDFT UP BDUJWFMZ NBOBHF your account

3015675.X.P-7 (7/15)_p5

/PX ZPV BSF SFBEZ UP KPJO UIF QMBO BOE UBLF UIBU m STU TUFQ +VTU m MM PVU UIF FODMPTFE GPSNT BOE SFUVSO UIFN UP ZPVS local representative.

Enroll today! 4 Return to Table of Contents

BENEFICIARY DESIGNATION – ERISA – NON-QPSA INSTRUCTIONS Voya Retirement Insurance and Annuity Company (“VRIAC”) Voya Institutional Plan Services, LLC (“VIPS”) Members of the Voya® family of companies One Orange Way, Windsor, CT 06095-4774 Phone: 800-584-6001 As used on this form, the term “Voya,” “Company,” “we,” “us” or “our” refer to VRIAC or VIPS as your plan’s funding agent and/ or administrative services provider. Contact us for more information.

PURPOSE OF THIS BENEFICIARY DESIGNATION This form is only to be used if you are married and are NOT naming your spouse as your sole beneficiary. If your spouse is not designated as your sole primary beneficiary, your spouse must consent to your designation by completing the Spousal Consent. Any subsequent changes in terms of a non-spousal beneficiary must be consented to by your spouse. If you are single, or married designating your spouse 100% beneficiary please call our Customer Service Center at 800-584-6001 for assistance in designating your beneficiary.

GOOD ORDER Good order is receipt at the designated location of this form accurately and entirely completed, and includes all necessary signatures. If this form is not received in good order, as we determine, it may be returned to you for correction and processed upon re-submission in good order at our designated location.

SPOUSAL CONSENT (Important spousal information.) Your spouse has an account in the retirement Plan noted. The money in the account that your spouse will be entitled to receive is called the vested account. Federal law states that you will receive 100% of the vested account after your spouse dies. Your right to your spouse’s vested account provided by federal law cannot be taken away unless you agree. If you agree, your spouse can elect to have all or part of the vested account paid to someone else. Each person your spouse chooses to receive a part of the vested account is called a “beneﬁciary.” For example, if you agree, your spouse can have all or a portion of the vested account paid to his or her children instead of you. Your spouse cannot have the vested account paid to someone else unless you agree and sign this agreement. Your choice must be voluntary. It is your personal decision whether you want to give up your right to your spouse’s vested account.

MAIL OR FAX INSTRUCTIONS (Please keep a copy for your records.) Please return the completed form to:

Voya Retirement Insurance and Annuity Company PO Box 990063 Hartford, CT 06199-0063 Fax: 800-643-8143

DO NOT RETURN TO VOYA Instructions

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Order #143850 02/01/2018 TM: BENEMAINT

BENEFICIARY DESIGNATION – ERISA – NON-QPSA Voya Retirement Insurance and Annuity Company (“VRIAC”) Voya Institutional Plan Services, LLC (“VIPS”) Members of the Voya® family of companies One Orange Way, Windsor, CT 06095-4774 Phone: 800-584-6001

REQUEST TYPE F Initial Designation

F Change to Designation

1. PLAN INFORMATION (Required) Plan #

Plan Name

2. ACCOUNT HOLDER INFORMATION (Required) Name (last, first, middle initial) Date of Birth (mm/dd/yyyy)

SSN (Required)

Resident Address (# & street) City

State

Work Phone (Include extension.)

ZIP

Home Phone

3. BENEFICIARY INFORMATION (Changes must be initialed by the Account Holder.) Subject to the terms of my Employer’s Plan, I request that any sum becoming due upon my death be payable to the beneficiary(ies) designated below. I understand this designation shall revoke all prior beneficiary designations made by me under my Employer’s Plan. (All designations must be in whole percentages. Total percentage must equal 100% for Primary Beneficiary and 100% for Contingent Beneficiary, if designated. Example: 33%, 33%, 34%.) F I am married. F I am not married. I understand that if I am married I must designate my Spouse as a sole Primary Beneficiary entitled to 100% of my account balance(s) unless my Spouse consents to the designation of another Beneficiary. Enter Complete Legal Name, Address and Phone #

Date of Birth (mm/dd/yyyy)

Relationship

SSN/TIN

Percentage of Beneﬁt

F Primary

F Primary F Contingent

(Beneﬁciaries continued on next page.) Page 1 of 3

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Order #143850 02/01/2018 TM: BENEMAINT

3. BENEFICIARY INFORMATION (Continued) Enter Complete Legal Name, Address and Phone #

Date of Birth (mm/dd/yyyy)

Relationship

SSN/TIN

Percentage of Beneﬁt

F Primary F Contingent

F Please check if additional beneﬁciaries are noted on the back of this form and follow same format as above. 1.

If more than one beneficiary is designated, payment will be made in equal shares to the primary beneficiaries who survive the Account Holder or Annuitant. Or, if none survives the Account Holder or Annuitant, in equal shares to the contingent beneficiaries who survive the Account Holder or Annuitant. 2. If no beneficiary survives the Account Holder or Annuitant, payment will be made to the executors or administrators of the estate of the Account Holder or Annuitant.

4. TRUST CERTIFICATION (Only complete if naming a Trust as a Beneficiary.) By signing below, I certify that: A. Name of Trust or Trust instrument B. The Trust or Trust instrument identified above, is in full force and effect and is a valid Trust or Trust instrument under the laws of the State or Commonwealth of . C. The Trust is irrevocable, or will become irrevocable, upon my death. D. All beneficiaries are individuals and are identifiable from the terms of the Trust. In the event that any of the information provided above changes, I will provide Voya with the changes, within a reasonable period of time. By designating a Trust, additional documentation and/or certification may be required. Page 2 of 3

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Order #143850 02/01/2018 TM: BENEMAINT

5. SIGNATURES I hereby certify under the pains and penalties of perjury that information I furnished herein is true, accurate and complete. Date (mm/dd/yyyy)

Account Holder Signature City and State Where Signed

6. SPOUSAL CONSENT (Spouse must complete if Account Holder does not designate his/her spouse as the Sole Primary Beneficiary entitled to 100% of the account balance.) F SPECIFIC CONSENT (Default. If no selection is made the default is specific consent.) If you sign this agreement, your spouse cannot change the beneficiary named in this agreement to anyone other than you, unless you agree to the new beneficiary by signing a new agreement. If you agree, your spouse can change the beneficiary at any time before your spouse dies. I am the spouse of . I understand that I have the right to all of my spouse’s vested account in the Plan after my spouse dies. I agree to give up the right to percent of the account and to have that amount paid to the beneficiaries elected by my spouse. I understand that my spouse cannot change the name of any beneficiary in the future unless I agree to the change. I understand that by signing this agreement, I may receive less money than I would have received if I had not signed this agreement and I may receive nothing from the Plan after my spouse dies. I understand that I do not have to sign this agreement. I am signing this agreement voluntarily. I understand that if I do not sign this agreement, then I will receive my spouse’s vested account under the Plan when my spouse dies. F GENERAL CONSENT If you sign this agreement, your spouse can choose the beneficiary who will receive all or part of the vested account without telling you and without getting your agreement. Your spouse can change the beneficiary at any time before the account is paid out. You have the right to agree to allow your spouse to select only a particular beneficiary. If you want to allow your spouse to select only a particular beneficiary, do not sign this form. In that case, contact the Plan administrator for more information and to get a new agreement that lets you state the particular beneficiary that you will allow your spouse to select. I am the spouse of . I understand that I have the right to all of my spouse’s vested account in the Plan after my spouse dies. I agree to give up percent of the account and to have that amount paid to someone else as the beneficiary. I understand that by signing this agreement, my spouse can choose the beneficiary of the vested account without telling me and without getting my agreement. I also understand that by signing this agreement, my spouse can change the beneficiary of the vested account in the future without telling me and without getting my agreement again. I understand that by signing this agreement, I may receive less money than I would have received if I had not signed this agreement and I may receive nothing from the Plan after my spouse dies. I understand that I can limit my spouse’s choice to a particular beneficiary who will receive the vested account balance and that I am giving up that right. I understand that I do not have to sign this agreement. I am signing this agreement voluntarily. I understand that if I do not sign this agreement, then I will receive my spouse’s account under the Plan when my spouse dies. SSN

Spouse Name (Please print.)

Date (mm/dd/yyyy)

Spouse Signature

7. NOTARY PUBLIC CERTIFICATION OF SPOUSAL CONSENT I certify that the person identiﬁed as Spouse above personally appeared and is known to me (or did satisfactorily prove) to be the person who executed this form and acknowledged to me that he or she voluntarily executed this form. Notary Public Name (Please print.) Notary Public Signature State

Date (mm/dd/yyyy)

County

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Order #143850 02/01/2018 TM: BENEMAINT

403(b) Tax-Deferred Retirement Plan Beneﬁts and Features of a 403(b) Plan

This section describes the major provisions of a 403(b) tax-deferred retirement plan. Details about the Voya Financial® product funding the plan are provided here and elsewhere in your enrollment guide. Please read the investment option material, and consider the terms and conditions of the plan before you enroll and invest. What is a 403(b) tax-deferred retirement plan? A tax-deferred retirement plan is authorized under section 403(b) of the Internal Revenue Code (IRC). It provides favorable tax treatment to salary reduction contributions made by eligible employees and to earnings on those contributions. In addition, depending on the terms of your plan, you may also be able to make after-tax Roth 403(b) contributions whose earnings may not be subject to federal income tax when distributed. Please check with your employer if you have questions about which section of the IRC governs your plan. A 403(b) tax-deferred retirement plan can allow you to make either pre-tax contributions or after-tax Roth contributions to a tax-deferred annuity contract or custodial account through a salary reduction agreement. If your contributions are made on a pre-tax basis, they are deducted from your salary before federal income taxes are calculated. Pre-tax contributions, and any earnings that accumulate over the years, are subject to ordinary income tax upon distribution. Withdrawals prior to age 59½ will be subject to an IRC 10% premature distribution penalty tax, unless an IRS exception applies. After-tax contributions to a Roth 403(b) option will be federal income tax free upon distribution as long as you meet the criteria of a “qualified distribution.” (Distributions from a Roth 403(b) plan are tax-free, as long as you’ve satisfied the five-year holding period; and are age 59½ or older, disabled or deceased.) Your employer’s 403(b) plan will indicate the types of contributions that you can make to the plan. There are generally two ways to fund a 403(b) plan. They are: • an annuity contract with variable and/or fixed interest investment options and/or • custodial accounts with retail mutual fund options.

If your plan offers both funding options, we encourage you to compare the benefits and costs and to choose according to your needs. Variable annuities and mutual funds under a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59½, an IRS 10% premature distribution penalty tax will apply, unless an IRS exception applies. Money taken from the plan will be taxed as ordinary income in the year the money is distributed; or in the case of Roth contributions, federal income tax free upon distribution as long as the criteria of a “qualified distribution” is met. (Distributions are tax-free, as long as you’ve satisfied the five-year holding period; and are age 59½ or older, disabled or deceased.) Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you. How does it work? With a 403(b) tax-deferred retirement program, you postpone receiving a portion of your salary until you retire. Here’s how it works: • You decide, within certain legal limits, how much of your income you want to save and invest. • Your employer will reduce your paycheck by that amount and forward it to Voya® on a regular basis. If you are contributing on a pre-tax basis, the amount is taken out of your paycheck before federal income taxes are applied. • Contributions are invested in your choice of any combination of investment options offered under the plan. • Pre-tax contributions and any earnings that accumulate over the years generally are not taxed until they are distributed to you, which is usually at retirement, when you may be in a lower tax bracket.

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The earnings on Roth 403(b) contributions you make to the plan are not taxed while they accumulate, and if you satisfy the IRC criteria of a “qualified distribution,” will not be subject to federal income tax when they are distributed to you. Contact your Voya local representative for more information about this Roth 403(b) feature. • The amounts you contribute to your employer’s 403(b) plan are still considered part of your total pay for Social Security purposes. If wages paid by your employer are subject to Social Security taxes, the wages subject to Social Security payroll taxes will include the amounts you contributed to the 403(b) plan. • If you are in a middle- or lower-income range, you may be eligible for a non-refundable tax credit of up to $1,000 for pre-tax elective contributions to your 403(b) plan. The availability and amount of the tax credit depends on your adjusted gross income (your total income less certain deductions for which you may qualify) and your filing status. If your adjusted gross income in 2018 (and subject to annual cost of living adjustments) is no more than $63,000 (married, filing jointly), $47,250 (head of household), or $31,500 (all other filers) and you make elective contributions, you may be eligible for this valuable tax credit. To be eligible for the tax credit you must be at least 18 years of age at the close of the tax year but cannot be either a fulltime student or declared as a dependent on someone else’s return. The tax credit is non-refundable, which means it can’t be more than your total tax bill.

You can modify the amount of your contributions by completing a new salary reduction agreement with your employer. In addition, your pre-tax contributions are subject to an annual contributions limit which looks at cumulative employer and employee contributions together with any forfeitures allocated to your account. What investment options are available? The program offered by your employer provides a wide range of professionally-managed investment options – covering a broad array of investment objectives. For descriptions of the investment options speciﬁc to the retirement Plan, please review the fund fact sheets and fund prospectuses located in your enrollment package. The Plan lets you: • customize your own portfolio to match your individual needs • diversify* or spread your contributions over different options, thereby potentially reducing investment risk • change the mix of your current contributions and transfer prior contributions among the various investment options

How much can I contribute? Federal law restricts the amount you may contribute to the retirement plan. The maximum amount you can contribute annually to your 403(b) plan is generally determined by the amount of deferrals and Roth contributions you make in the same tax year to this 403(b) or another 403(b), 401(k), salary reduction simpliﬁed employee pension and SIMPLE plans. In addition, if you are an older or longer service employee, you may be able to contribute beyond this limit by using one or more catch-up contributions.

* A Voya representative should be contacted to perform a calculation of the actual amount available under this special catch-up. The special catch-up limit, which includes the maximum elective deferral limit plus the special catch-up election, is for employees participating in a 403(b) tax deferred annuity who have had at least 15 years of service with an educational organization, hospital, home health agency, health and welfare service agency, church or convention or association of churches. If a participant is eligible for both catch-up contributions in the same year, the IRS requires that the participant ﬁrst use up that year’s special catch-up before making age 50+ catch-up contributions. Note: This additional 403(b) catch-up election of up to $3,000 per year cannot exceed cumulatively $15,000 over the lifetime of the 403(b) participant. * While using diversiﬁcation as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets, it is a wellrecognized risk management strategy.

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Are my account assets portable after I leave employment? Generally, yes. If you go to work for another employer who also sponsors an eligible 403(b) tax-deferred retirement plan, you may be able to transfer your account balance to your new employer’s plan if both plans permit such transfers. In the alternative, you may be able to roll over your account balance to your new employer’s eligible retirement plan (such as a governmental 457, 403(b), 401(a)/(k)), if your new employer’s plan accepts rollovers. You may also roll over eligible amounts into a traditional IRA or, if you make a directed rollover from your 403(b) plan, to a Roth IRA. Rollover assets may be subject to an IRS 10% premature distribution penalty tax. Consult your own legal and tax advisors regarding your situation. Please carefully consider the beneﬁts of existing and potentially new retirement accounts and any differences in features. In addition, you can choose to leave your assets in your former employer’s plan (if the plan allows this). There, it will continue to accumulate tax-deferred until the IRC requires that you begin receiving minimum distributions – generally, when you attain age 70½ or retire, whichever comes later. You may also elect to receive a distribution of some, or all, of your account. However, if any portion of the account value that you could have rolled over is paid directly to you, it will be subject to 20% mandatory federal withholding. In addition, if you’re under age 59½, amounts paid to you may be subject to an IRS 10% premature distribution penalty tax, unless another IRS exemption applies. Once enrolled in the program, how can I manage my account assets? Stay in touch with your investments through: • Quarterly Account Statements • Toll-Free Telephone Account Access • Internet Account Access • Local Service Can I take out a loan against my account? Yes. If allowed by your plan and contract, and upon approval by your Plan Sponsor or its designee, you may take out a loan up to a speciﬁed limit from your account value. Your employer’s 403(b) plan document can provide you with more information about loans from the plan. Please note: Loans will reduce your account balance, may impact your withdrawal value and limit participation in future growth potential. Other restrictions may apply.

Can I withdraw funds from my retirement account? Yes. The IRC rules permit distributions from a 403(b) plan for the following reasons: • Attainment of age 59½ • Severance from employment • Death • Disability • Hardship • Required Minimum Distributions (RMD) Note that a 403(b) plan document can be more restrictive than the IRC rules. Consult your Plan document for additional information. Your Plan sponsor or its designee will generally need to certify that you are eligible for the distribution. Distributions of Roth 403(b) contributions will be tax-free for federal income tax purposes if they are “qualified distributions” (distributions are tax-free, as long as you’ve satisfied the five-year holding period; and are age 59½ or older, disabled or deceased) and the following criteria are met: The funds must be held for a 5-year holding period, AND the distribution must be due to attainment of age 59½, death or disability. What are my payment choices at retirement? When you’re ready to receive a distribution from the annuity contract, you can tailor the payout method to meet your financial needs. Remember, taxes are due at withdrawal, so we suggest you discuss your income tax liability with your accountant or attorney before choosing a lump sum distribution or one of several annuitization options available to you. If the plan so provides, you may choose to receive your payments in one of the following ways: • Distribution over your lifetime; • Distribution over your lifetime and the lifetime of your designated beneficiary; • Distribution over a set time period not extending beyond your life expectancy; • Distribution over a set time period not extending beyond the joint and last survivor life expectancy of both you and your designated beneficiary; • Lump sum or partial lump sum distribution in combination with one of the other options. The IRC requires that you begin to take Required Minimum Distributions (RMD) generally no later than

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April 1st of the year following the year you retire or reach age 70½, whichever is later. Subsequent RMDs must be taken no later than December 31 each year. If you fail to take a timely RMD for any tax year, you are subject to an IRS 50% excise tax on the amount of the RMD that was not timely taken. In addition, if the plan allows, there are other systematic distribution options that allow your account to continue accumulating tax-deferred earnings and participate in the investments you select. These include: • an estate conservation option that allows you to receive an annual payment of the minimum distribution amount required by law at age 70½ or retirement, whichever is later, or • A systematic withdrawal option for either a specific percentage amount, a specific dollar amount or a specific time period, including your life expectancy.

of an event, such as after a ﬁxed number of years, the attainment of a stated age, or disability. For 403(b)(7) custodial accounts, Employee deferrals and employer contributions (including earnings) may only be distributed upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: hardship withdrawals are limited to: employee deferrals and ‘88 cash value (earnings on employee deferrals and employer contributions (including earnings) as of 12/31/88).

Please note: If the plan is subject to ERISA (Employee Retirement Income Security Act of 1974), certain restrictions apply. For example, if you are married, your spouse’s consent is required to name a beneficiary other than your spouse, to withdraw or borrow money from your account, or to elect a retirement benefit other than the joint and survivor annuity offered by a variable annuity contract. For 403(b)(1) fixed or variable annuities, employee deferrals (including earnings) may generally be distributed only upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: Hardship withdrawals are limited to employee deferrals made after 12/31/88. Exceptions to the distribution rules: No Internal Revenue Code withdrawal restrictions apply to ‘88 cash value (employee deferrals (including earnings) as of 12/31/88) and employer contributions (including earnings). However, employer contributions made to an annuity contract issued after December 31, 2008 may not be paid or made available before a distributable event occurs. Such amounts may be distributed to a participant or if applicable, the beneficiary: upon the participant’s severance from employment or upon the occurrence

Here’s a tip: Whenever you get a raise, consider giving your retirement contributions a little raise as well.

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NEED HELP PLANNING FOR RETIREMENT? M O R N I N G S T A R ® R E T I R E M E N T M A N A G E R S M C A N H E L P. Planning for retirement can be difficult. But by offering objective, third party investment advice, Morningstar Investment Management LLC can help make it easier. With the Investment Advice (Manage my Plan Manually) service offered through Morningstar Retirement Manager, you can receive a personalized retirement strategy to help you make more informed decisions about your retirement account. What is the Manage my Plan Manually service? This service provides you with a personalized retirement strategy including recommendations for your target retirement goal, savings rate and investment recommendations. This independent service is separate from Voya Financial® and is designed to give you recommendations to help meet your retirement goals.

What’s the advantage of using the Manage my Plan Manually service? By using this service, you’re getting objective recommendations from a leading independent investment advisor from Morningstar Investment Management LLC – all at no additional cost to you. T he Investment Advice service uses a goal-based approach, allowing you to examine your unique financial situation. The service is designed to help you identify your retirement savings goals, determine how much money you should be contributing to meet your retirement goals, the specific funds you should be investing in and how you should allocate your assets. Features of Manage my Plan Manually include: • Research and reports about your plan investment options • Tools to help you set retirement goals and establish an asset allocation strategy • Specific, independent, professional investment advice to help you create a diversified portfolio • Objective investment advice from one of the most trusted names in financial planning • Personalized investment option recommendations that factor in your unique financial situation and savings objectives

To get your personalized retirement strategy, visit www.voyaretirementplans.com and click on “Get Advice.” For more information, contact your financial professional.

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How do I access Morningstar Retirement Manager? Once you have enrolled in your employer-sponsored retirement plan, you can access Morningstar Retirement Manager by logging into your retirement plan account and selecting “Get Advice.” For your convenience, some of your Voya® account information will be pre-populated including your name, date of birth, salary and account balance. Since Morningstar Retirement Manager is a web-based service, you can obtain personalized investment advice 24 hours a day, 7 days a week. About Morningstar Morningstar Investment Management LLC is a leading provider of investment advisory services for the retirement plan industry. They are a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., a company known for being a trusted source of insightful information on stocks, mutual funds, and other investment products. Morningstar Retirement Manager is offered by and is the property of Morningstar Investment Management LLC (“Morningstar Investment Management LLC”), a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc., and is intended for citizens and legal residents of the United States and its territories. Morningstar Investment Management LLC’s advisory service relates solely to the investment options offered under the plan. Retirement plan funding products offered through Voya Financial Partners LLC (member SIPC) or other broker dealers with which it has selling agreements. Voya provides Morningstar Investment Management LLC with the plan’s investment options and information about participants but the decisions regarding the advice provided are made by Morningstar Investment Management LLC. Voya and its companies are not affiliated with Morningstar Investment Management LLC or its affiliates, and receive no fee or other direct financial benefits from Morningstar Investment Management LLC in connection with the use of its services. The Morningstar name and logo are registered marks of Morningstar, Inc.

NEED HELP PLANNING FOR RETIREMENT? M O R N I N G S T A R ® R E T I R E M E N T M A N A G E R S M C A N H E L P. About Voya Voya is a premier retirement, investment and insurance company serving the financial needs of approximately 13 million individual and institutional customers in the United States. The company’s vision is to be America’s Retirement Company and its guiding principle is centered on solving the most daunting financial challenge facing Americans today – retirement readiness. Working directly with clients and through a broad group of financial intermediaries, independent producers, affiliated advisors and dedicated sales specialists, Voya provides a comprehensive portfolio of asset accumulation, asset protection and asset distribution products and services. With a dedicated workforce of approximately 7,000 employees, Voya is grounded in a clear mission to make a secure financial future possible – one person, one family and one institution at a time. Voya provides the Morningstar Retirement Manager platform as an available service through our product suite. 3012732.C.P-6

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Investment Option Asset Classes INVESTMENT OPTIONS IMPORTANT PRODUCT INFORMATION YOU SHOULD CONSIDER THE INVESTMENT OBJECTIVES, RISKS, AND CHARGES AND EXPENSES OF THE VARIABLE PRODUCT AND ITS UNDERLYING FUND OPTIONS; OR MUTUAL FUNDS OFFERED THROUGH A RETIREMENT PLAN, CAREFULLY BEFORE INVESTING. THE PROSPECTUSES/ PROSPECTUS SUMMARIES/ INFORMATION BOOKLETS CONTAIN THIS AND OTHER INFORMATION, WHICH CAN BE OBTAINED BY CONTACTING YOUR LOCAL REPRESENTATIVE. PLEASE READ THE INFORMATION CAREFULLY BEFORE INVESTING. Securities are distributed by Voya Financial Partners, LLC (member SIPC), and other authorized broker/dealers with which it has a selling agreement. Voya® does not provide tax or legal advice. Any tax or legal information is the Company’s understanding of current laws and regulations, which are subject to change. Consult your tax advisor for full details. Target Date Multi-asset class, multi-manager investment portfolios offering a range of distinct risk/return characteristics. These portfolios invest in a combination of funds which are active and passive Domestic Stock, International Stock, and fixed income investments. An active strategic asset allocation strategy allows investors to remain in a single portfolio throughout their working years using their “goal” date, whether that be retirement or some other target date, to help select the appropriate Portfolio. This approach includes a professionally managed, automatic process to shift from a more aggressive asset allocation to a more conservative asset allocation, as the target retirement date or other “goal” date gets closer. Generally speaking, Target Date funds target a certain date range for retirement, or the date the investor plans to start withdrawing money. Investors can select the fund that corresponds to their target date. They are designed to rebalance to a more conservative approach as the date nears. An investment in the Target Date Fund is not guaranteed at any time, including on or after the target date. Stability of Principal Assets are invested in conservative investment options that seek – but not necessarily guarantee – to hold the principal value of an investment stable through all market conditions. These options may credit a stated rate of return or

13.1.1-75 (4/18)

minimum periodic interest rate that may vary. Dividend rates and income levels fluctuate with market conditions and are not guaranteed. These investment options, including money market portfolios, are neither insured nor guaranteed by the U.S. government. Bonds Investors here are primarily seeking income or growth of income, with less emphasis on capital appreciation. Fixed-income funds are those that may have significant investments in below-investment grade bonds (“junk bonds”) or bonds of foreign issuers. Investment grade corporate bonds, mortgages, government bonds and, to a lesser degree, preferred stock, foreign or convertible bonds. Conservative funds are short-term bond funds focusing solely on Treasury Bills and other highly-rated short-term (e.g. 90 day) securities. Fixedincome investments are subject to interest rate risk such that the value of the bond will decline as interest rates rise. Asset Allocation These funds are also known as “LifeStyle” or “LifeCycle” funds. They invest in a combination of assets such as aggressive stocks, international stocks, large-company stocks, government bonds, foreign bonds or money markets. The allocation percentage to each asset type may be fixed, bounded by a range, or determined at the discretion of the manager. Managers of these funds review market conditions regularly and refine the asset allocation mixture they believe will achieve the best risk adjusted performance based on the stated objectives and “target” allocations of the particular fund. Different constructs can be based on risk tolerance or length of time to investment goal. Balanced These funds seek to “balance” growth of principal and current income by investing in a combination of stocks and bonds. The investment style used here is some funds have fixed asset allocations and others allow managers discretion to allocate between equities and bonds, depending on their view of return and risk. Large Cap Value Funds seek long-term growth of capital or a combination of growth and income by investing primarily in stocks of larger, mature companies. The investment styles exhibited are value and “blend.” Stocks are selected for price appreciation and for the value of the current income provided through dividends. These funds generally exhibit a lower level of price volatility, due to

CN0912-27458-1018

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the types of companies they favor, such as those able to pay dividends. Large Cap Growth Funds with fewer holdings and a relatively narrow focus merit the risk level of “Aggressive.” Overall, these funds invest primarily in stocks of larger U.S. companies, employing an investment style of growth. Funds emphasizing growth stocks will typically have higher price/earnings ratios and make little or no dividend payments. Large capitalization companies tend to be more established, with lower relative volatility, than more aggressive small and mid-cap stock funds. Small/Mid/Specialty Small cap, mid cap and “specialty” funds are in this category, employing investment styles of growth, value or “blend.” These funds seek capital appreciation by investing primarily in stocks of small-and mediumsized companies. Generally, these companies are striving to develop new products or markets and have aboveaverage earnings growth potential. Because of their smaller size, these companies may face greater business risk, and investments in these funds generally carry much higher risk than other domestic equity funds. “Specialty” or “sector” funds invest in stocks of companies in a particular industry. This narrow focus can significantly increase the risk and volatility of such funds. Global / International There are three main types of funds in this category. International funds have an investment style of Foreign Stock. These funds invest in stocks of companies outside of the United States. Global funds carry an investment style of World Stock. These funds invest in stocks of companies in the United States and developed countries outside of the United States. Emerging Markets funds invest in securities of developing countries and demonstrate the greatest volatility of performance due to the unstable nature of their economies, political structures and currencies. International investing may provide greater diversification benefits to a U.S. – based portfolio than investing in domestic securities alone. However, foreign investing does involve additional risks not present in U.S. securities.

VALLEY VIEW HOSPITAL 403(B) PLAN Voya Plan 666355 Your Voya Retirement Insurance and Annuity Company Investment Program - Plan-related Information April 30, 2018 The purpose of this document is to summarize certain plan-related information regarding the plan’s investment options and fees to be paid in connection with plan services or options selected. It is intended to be read along with the comparative chart of Investment Information. These summaries are not intended to replace the Summary Plan Description (SPD), or the investment product information provided separately by Voya. This summary is intended for the sole purpose of complying with the disclosure requirements of Department of Labor regulations under §2550.404a-5. Please refer to your plan’s disclosure materials prior to making investment decisions. Fees are subject to change from time to time. If there is any conflict between this summary and the governing plan agreements, then the governing plan agreements will control. Contributions to the plan can be invested in a variety of investment options and you may have one or more forms of distribution to choose from. You will receive periodic statements that will include account values, unit values, and fees deducted. You will also have access to your account through Voya’s Retirement Services Customer Contact Center and participant website. Where and How to Give investment instructions The plan permits participants to direct the investment of contributions. After you have enrolled in the Plan, you may direct your investments by accessing Voya’s plan participant website at www.voyaretirementplans.com or by calling the Voya Retirement Services Customer Contact Center at 1-800-584-6001. Designated Investment Alternatives The designated investment alternatives available under the plan as of the date above are as follows: Amer Cent Infl-Adjust Bond Fnd Inv

American Funds 2010 TDate R3

American Funds 2015 TDate R3

American Funds 2020 TDate R3

American Funds 2025 TDate R3

American Funds 2030 TDate R3

American Funds 2035 TDate R3

American Funds 2040 TDate R3

American Funds 2045 TDate R3

American Funds 2050 TDate R3

American Funds 2055 TDate R3

American Funds 2060 TDate R3

American Funds EuroPacific R5

American Funds Fdmntl Inv R5

American Funds Growth Fnd R5

American Funds Nw Prspctv R5

BlackRock Equity Dividend Fund Inst

Fidelity Adv New Insights Fund I

Templeton Global Bond Fund Adv

Voya Fixed Plus Account III

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Voya High Yield Portfolio Srv

Voya Intermediate Bond Port I

Voya MidCap Opportunities Port S

Voya Russell Lrg Cap Index Port S

Voya Russell Mid Cap Index Port S

Voya SmallCap Opportunities Prt I

VY Clarion Real Estate Port Srv

VY Columbia Sm Cap Val II Pt I

VY JPMorgan Emrg Mkts Eq Port Srv

VY JPMorgan Mid Cap Val Port Srv

VY JPMorgan Sm Cp Core Eq Prt Srv

VY TRowePrice Captl Apprec Pt Inst

Please refer to the comparative investment chart for information about designated investment alternatives available as of the date above. The funds available are subject to change from time to time. The designated investment alternatives available to new participants are identified during the enrollment process. Once you have enrolled, your Voya website will be your source of information on available funds. Designated Investment Managers If elected, Morningstar Investment Management LLC actively manages the participant’s account and provides a personalized retirement strategy, discretionary asset management, and ongoing oversight. Morningstar Investment Management LLC assumes responsibility for monitoring the participant’s account on a quarterly basis and executing appropriate transactions on the participant’s behalf. Annual Services Fees

Fee

Payment Method

Managed Account Service Fee

.50%

Deducted from Participant Account

Individual Service Fees The fees below apply to certain individual services and transactions and will be deducted from your account when applicable. If more than one service provider performs services on behalf of the plan, then each provider’s fees are shown separately. Fees that apply to the same transaction or service may be combined on your statements. Fee Type

Fees*

Entity Charging the Fee

Annual Loan Administration Fee, charged per loan:

$55.00

QUALIFIED PENSION SERVICES, INC. *

Hardship Distribution Processing, one-time charge per disbursement or withdrawal:

$80.00

QUALIFIED PENSION SERVICES, INC. *

In-Service Withdrawal Processing, one-time charge per disbursement or withdrawal:

$80.00

QUALIFIED PENSION SERVICES, INC. *

Loan Initiation Fee, one-time charge per loan:

$100.00

Voya

Loan Initiation Fee, one-time charge per loan:

$110.00

QUALIFIED PENSION

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Fee Type

Fees*

Entity Charging the Fee SERVICES, INC. *

Overnight Mail, per occurrence:

$50.00

Voya

Participant-Initiated Wire, per occurrence:

$50.00

Voya

Qualified Domestic Relations Order (QDRO), per occurrence:

$350.00

QUALIFIED PENSION SERVICES, INC. *

Stop Payment, per occurrence: *The above fees are subject to change from time to time.

$50.00

Voya

Additional Disclosures Separate fees may be assessed against your account if you elect other transactions or service programs, or for third party services. The amount of any fees actually deducted from your account will be shown on your quarterly employee statement or confirmation. Some of the planâ&#x20AC;&#x2122;s administrative expenses were paid from revenue sharing payments of one or more of the planâ&#x20AC;&#x2122;s designated investment alternatives.

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Voya Retirement Insurance and Annuity Company INVESTMENT-RELATED INFORMATION VALLEY VIEW HOSPITAL 403(B) PLAN Voya Plan 666355 April 30, 2018 This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown below. You can also contact Voya Retirement Services Customer Contact Center at 1-800-584-6001, One Orange Way, Windsor, CT 06095, or your local representative. A free paper copy of the information available on the Web site can be obtained by contacting Voya Retirement Services Customer Contact Center at 1800-584-6001. This summary is intended for the sole purpose of complying with the disclosure requirements of Department of Labor regulations under §2550.404a-5. Please refer to your plan’s disclosure materials prior to making investment decisions. Document Summary This document has 2 parts. Part I consists of performance information for plan investment options. This part shows you how well the investments have performed in the past. Part II shows you the fees and expenses you will pay if you invest in an option. Part I and II. Performance and Fee Information Table 1 focuses on the performance of investment options that do not have a fixed or stated rate of return. Table 1 shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option’s principal risks is available on the Web site[s]. All funds assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses as well as separate account charges where applicable. The numbers may also reflect maintenance fees, administration fees, and/or deferred sales charges, if your contract is funded through a registered separate account. The table shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Note that the benchmark performance does not reflect the fees and charges associated with the product and investment options in your particular contract. Table 3 shows fee and expense information for the investment options listed in Table 1. Table 3 shows the Total Gross and Net Annual Operating Expenses of the options in Table 1. Net Operating Expenses are reduced by fund waivers and adjustments, when applicable. Annual Operating Expenses are expenses that reduce the rate of return of the investment option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Annual Operating Expenses. To find additional information about your investments, please see applicable fund information in the appropriate documents made available to you (e.g. prospectus, Fund Fact Sheet, fund information section on the plan’s web site, etc.).

Page 4 of 11 Return to Table of Contents

Table 1 - Variable Return Investments Name / Type of Option

Table 3 - Fees and Expenses

Average Annual Total Return as of 12/31/17 1 yr

5 yr

10 yr

Benchmark

Since 1 yr Inception

5 yr

10 yr

Total Gross Annual Operating Expenses Since As a % Inception

Per $1,000

Total Net Annual Operating Expenses As a %

Per $1,000

ASSET ALLOCATION American Funds 2010 TDate R3 www.voyaretirementplans.com

9.68%

6.45%

4.14%

10.63%

6.60%

5.11%

0.98%

$9.80

0.98%

$9.80

0.98%

$9.80

0.98%

$9.80

0.99%

$9.90

0.99%

$9.90

1.01%

$10.10

1.01%

$10.10

1.03%

$10.30

1.03%

$10.30

1.05%

$10.50

1.05%

$10.50

1.06%

$10.60

1.06%

$10.60

S&P Target Date Through 2010 TR Index American Funds 2015 TDate R3 www.voyaretirementplans.com

10.57%

7.25%

4.40%

12.46%

7.77%

5.43%

S&P Target Date Through 2015 TR Index American Funds 2020 TDate R3 www.voyaretirementplans.com

12.13%

8.21%

4.63%

14.04%

8.77%

5.60%

S&P Target Date Through 2020 TR Index American Funds 2025 TDate R3 www.voyaretirementplans.com

14.58%

9.62%

5.31%

15.65%

9.75%

5.96%

S&P Target Date Through 2025 TR Index American Funds 2030 TDate R3 www.voyaretirementplans.com

17.67%

10.77%

5.94%

17.38%

10.53%

6.24%

S&P Target Date Through 2030 TR Index American Funds 2035 TDate R3 www.voyaretirementplans.com

20.26%

11.39%

6.19%

18.72%

11.11%

6.38%

S&P Target Date Through 2035 TR Index American Funds 2040 TDate R3 www.voyaretirementplans.com

21.23%

11.69%

6.34%

19.79%

11.52%

6.49%

S&P Target Date Through 2040 TR Index

Page 5 of 11 Return to Table of Contents

Shareholder Type Fees

Name / Type of Option

Average Annual Total Return as of 12/31/17 1 yr

American Funds 2045 TDate R3 www.voyaretirementplans.com

21.59%

5 yr

11.82%

10 yr

Benchmark

Since 1 yr Inception

6.39%

5 yr

20.30%

11.75%

10 yr

Total Gross Annual Operating Expenses Since As a % Inception

6.46%

Per $1,000

Total Net Annual Operating Expenses As a %

Per $1,000

1.06%

$10.60

1.06%

$10.60

1.06%

$10.60

1.06%

$10.60

1.07%

$10.70

1.07%

$10.70

1.14%

$11.40

1.10%

$11.00

0.64%

$6.40

0.64%

$6.40

0.47%

$4.70

0.47%

$4.70

0.74%

$7.40

0.68%

$6.80

S&P Target Date Through 2045 TR Index American Funds 2050 TDate R3 www.voyaretirementplans.com

21.73%

11.87%

6.41%

20.65%

11.88%

S&P Target Date Through 2050 TR Index American Funds 2055 TDate R3 www.voyaretirementplans.com

21.79%

11.85%

10.92%

20.75%

11.93%

11.45%

S&P Target Date Through 2055 TR Index American Funds 2060 TDate R3 www.voyaretirementplans.com

21.80%

9.45%

20.85%

9.46%

S&P Target Date Through 2060 TR BALANCED VY TRowePrice Captl Apprec Pt Inst www.voyaretirementplans.com

15.39%

12.67%

9.08%

14.41%

10.27%

7.02%

S&P 500 60% / Barclays Capital Corp/Gov Bond Index 40% BONDS Amer Cent Infl-Adjust Bond Fnd Inv www.voyaretirementplans.com

3.08%

-0.29%

3.21%

3.01%

0.13%

3.53%

Barclays Capital U.S.Treasury U.S.TIPS Index TR USD Templeton Global Bond Fund Adv www.voyaretirementplans.com

2.62%

1.83%

5.96%

7.49%

0.12%

2.67%

Page 6 of 11 Return to Table of Contents

Shareholder Type Fees

Name / Type of Option

Average Annual Total Return as of 12/31/17 1 yr

5 yr

10 yr

Benchmark

Since 1 yr Inception

5 yr

10 yr

Total Gross Annual Operating Expenses Since As a % Inception

Per $1,000

Total Net Annual Operating Expenses As a %

Per $1,000

Citigroup World Government Bond Index USD Voya High Yield Portfolio Srv www.voyaretirementplans.com

6.23%

4.98%

7.24%

7.50%

5.78%

8.09%

0.74%

$7.40

0.73%

$7.30

0.54%

$5.40

0.54%

$5.40

0.54%

$5.40

0.54%

$5.40

4.65%

0.49%

$4.90

0.49%

$4.90

1.68%

1.50%

$15.00

1.50%

$15.00

8.50%

0.38%

$3.80

0.38%

$3.80

8.50%

0.68%

$6.80

0.68%

$6.80

Barclays Capital U.S. High Yield 2% Issuer Cap Index TR USD Voya Intermediate Bond Port I www.voyaretirementplans.com

5.05%

3.27%

4.48%

3.54%

2.10%

4.01%

Barclays Capital U.S.Aggregate Bond Index TR USD GLOBAL / INTERNATIONAL American Funds EuroPacific R5 www.voyaretirementplans.com

31.09%

9.16%

3.90%

27.19%

6.80%

1.84%

MSCI ACWI ex USA Index NR USD American Funds Nw Prspctv R5 www.voyaretirementplans.com

29.21%

12.90%

7.18%

23.97%

10.80%

MSCI ACWI NR USD VY JPMorgan Emrg Mkts Eq Port Srv www.voyaretirementplans.com

43.11%

5.29%

2.39%

37.28%

4.35%

MSCI Emerging Markets Index NR USD LARGE CAP GROWTH American Funds Growth Fnd R5 www.voyaretirementplans.com

26.44%

16.40%

8.64%

21.83%

15.79%

S&P 500 Index TR USD Fidelity Adv New Insights Fund I www.voyaretirementplans.com

28.34%

15.33%

8.22%

21.83%

15.79%

Page 7 of 11 Return to Table of Contents

Shareholder Type Fees

Name / Type of Option

Average Annual Total Return as of 12/31/17 1 yr

5 yr

10 yr

Benchmark

Since 1 yr Inception

5 yr

10 yr

Total Gross Annual Operating Expenses Since As a % Inception

Per $1,000

Total Net Annual Operating Expenses As a %

Per $1,000

S&P 500 Index TR USD LARGE CAP VALUE American Funds Fdmntl Inv R5 www.voyaretirementplans.com

23.67%

15.81%

8.33%

21.83%

15.79%

8.50%

0.35%

$3.50

0.35%

$3.50

7.10%

0.73%

$7.30

0.73%

$7.30

0.63%

$6.30

0.62%

$6.20

1.03%

$10.30

0.91%

$9.10

0.69%

$6.90

0.68%

$6.80

0.88%

$8.80

0.88%

$8.80

1.10%

$11.00

0.96%

$9.60

S&P 500 Index TR USD BlackRock Equity Dividend Fund Inst www.voyaretirementplans.com

16.76%

13.07%

7.44%

13.66%

14.04%

Russell 1000 Value Index TR USD Voya Russell Lrg Cap Index Port S www.voyaretirementplans.com

22.27%

15.36%

9.43%

22.96%

16.01%

9.63%

Russell Top 200 Index TR USD SMALL/MID/SPECIALTY Voya MidCap Opportunities Port S www.voyaretirementplans.com

24.77%

13.85%

9.46%

25.27%

15.30%

9.10%

Russell Mid Cap Growth Index TR USD Voya Russell Mid Cap Index Port S www.voyaretirementplans.com

17.67%

14.20%

10.21%

18.52%

14.96%

10.32%

Russell Mid Cap Index TR USD Voya SmallCap Opportunities Prt I www.voyaretirementplans.com

18.73%

14.40%

9.97%

22.17%

15.21%

9.19%

Russell 2000 Growth Index TR USD VY Clarion Real Estate Port Srv www.voyaretirementplans.com

5.18%

8.39%

7.30%

3.74%

7.99%

6.03%

Page 8 of 11 Return to Table of Contents

Shareholder Type Fees

Name / Type of Option

Average Annual Total Return as of 12/31/17 1 yr

5 yr

10 yr

Benchmark

Since 1 yr Inception

5 yr

10 yr

Total Gross Annual Operating Expenses Since As a % Inception

Per $1,000

Total Net Annual Operating Expenses As a %

Shareholder Type Fees

Per $1,000

MSCI US REIT Index NR USD VY Columbia Sm Cap Val II Pt I www.voyaretirementplans.com

11.21%

14.52%

8.61%

7.84%

13.01%

8.17%

0.89%

$8.90

0.86%

$8.60

1.12%

$11.20

1.12%

$11.20

1.10%

$11.00

1.10%

$11.00

Russell 2000 Value Index TR USD VY JPMorgan Mid Cap Val Port Srv www.voyaretirementplans.com

13.73%

13.85%

9.23%

13.34%

14.68%

9.10%

Russell Mid Cap Value Index TR USD VY JPMorgan Sm Cp Core Eq Prt Srv www.voyaretirementplans.com

15.56%

15.30%

10.43%

14.65%

14.12%

8.71%

Russell 2000 Index TR USD *Inception to date benchmark information has not been made available by the designated investment option provider at this time.

Certain benchmark performance data that appears in Table I may be provided by MSCI or Bank of America. Please read these important disclaimers concerning that information: Source: MSCI. Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCIâ&#x20AC;&#x2122;s express written consent. Source BofA Merrill Lynch, used with permission. BOFA MERRILL LYNCH IS LICENSING THE BOFA MERRILL LYNCH INDICES "AS IS, "MAKES NO WARRANTIES REGARDING SAME, DOES NOT GUARANTEE THE SUITABILITY, QUALITY, ACCURACY, TIMELINESS, AND/OR COMPLETENESS OF THE BOFA MERRILL LYNCH INDICES OR ANY DATA INCLUDED IN, RELATED TO, OR DERIVED THERE FROM, ASSUMES NO LIABILITY IN CONNNECTION WITH THEIR USE,AND DOES NOT SPONSOR, ENDORSE, OR RECOMMEND VOYA, OR ANY OF ITS PRODUCTS OR SERVICES.

Part I and II. Performance and Fee Information Table 2 focuses on the performance of investment options that have a fixed or stated rate of return. Table 2 shows the annual rate of return of each such option, the term or length of time that you will earn this rate of return, and other information relevant to performance.

Page 9 of 11 Return to Table of Contents

Table 3 shows fee and expense information for the investment options listed in Table 2. Table 3 shows the Total Gross Annual Operating Expenses of the options in Table 2. Annual Operating Expenses are expenses that reduce the rate of return of the investment option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Annual Operating Expenses. To find additional information about your investments, please see applicable fund information in the appropriate documents made available to you (e.g. prospectus, Fund Fact Sheet, fund information section on the plan’s web site, etc.).

Table 2 - Fixed Return Investments

Table 3 - Fees and Expenses Total Gross Annual Operating Expenses

Name / Type of Option

Return

Term

Other

Shareholder Type Fees

As a % Per $1,000

STABILITY OF PRINCIPAL Voya Fixed Plus Account III www.voyaretirementplans.com

2.00% N/A

•Rates are subject to change at any time subject to contract guarantees. •The Guaranteed Minimum Interest rate is 1.00%. •Current rate information is available by calling 1800-584-6001.

N/A

N/A •Transfers from this Fund may not be made directly to a Competing Fund. •Transfers from this Fund will prevent transfers to a Competing Fund for 90 days. •Non-Benefit withdrawals are not permitted. Please see your contract or your product materials for detailed information.

Voya "Excessive Trading" Policy Voya actively monitors fund transfer and reallocation activity within its variable insurance and retirement products to identify Excessive Trading. Voya currently defines Excessive Trading as: a) More than one purchase and sale of the same fund (including money market funds) within a 60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a “roundtrip”). This means two or more round-trips involving the same fund within a 60 calendar day period would meet Voya’s definition of Excessive Trading; or b) Six round-trips within a twelve month period. Each fund available through Voya’s variable insurance and retirement products, either by prospectus or stated policy, has adopted or may adopt its own excessive/frequent trading policy. Voya reserves the right, without prior notice, to implement restrictions and/or block future purchases of a

Page 10 of 11 Return to Table of Contents

fund by an individual who the fund has identified as violating its excessive/frequent trading policy. All such restrictions and/or blocking of future fund purchases will be done in accordance with the directions Voya receives from the fund. Voyaâ&#x20AC;&#x2122;s Excessive Trading Policy does not apply to Employer Stock Funds, Fixed Account, Fixed Plus Account, Guaranteed Accumulation Account or Stabilizer. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Laborâ&#x20AC;&#x2122;s Web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. Please visit Voya Retirement Plans Website at www.voyaretirementplans.com for a glossary of investment terms relevant to the investment options under this plan. This glossary is intended to help you better understand your Options.

Page 11 of 11 Return to Table of Contents

PERFORMANCE

UPDATE

VALLEY VIEW HOSPITAL 403(B) PLAN Average Annual Total Returns as of: 05/31/2018

(shown in percentages)

Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. The performance data quoted represents past performance. Past performance does not guarantee future results. For monthend performance which may be lower or higher than the performance data shown please call 800-584-6001. Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost. The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. They do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above. Please read the prospectus carefully before investing. Returns less than one year are not annualized. Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product.

Investment Options

Incept

Fund Gross Inception Fund Exp %* Date

Net Fund Exp %*

1-Mo

3-Mo

YTD

1-Yr

3-Yr

5-Yr

10-Yr

0.17

0.50

0.82

2.00

2.17

2.26

2.70

-0.23

-0.40

-0.90

1.17

4.22

4.15

7.01

05/03/2004

0.74

0.73

0.00

0.70

-1.12

0.20

1.17

0.31

2.77

02/10/1997

0.47

Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I - 004

0.44

0.03

-1.63

0.12

2.20

2.79

4.42

05/23/1973

0.54

World Bond Templeton Global Bond Fund - Advisor Class - 5050 (3)

-2.41

-0.84

-0.22

-0.21

1.14

1.57

5.50

09/18/1986

0.74

0.68

0.37

-0.28

-0.83

3.64

3.91

5.12

4.24

02/01/2007

0.98

0.53

-0.26

-0.69

4.24

4.28

5.73

4.52

02/01/2007

0.98

0.57

-0.16

5.46

4.88

6.51

4.87

02/01/2007

0.99

0.68

-0.07

0.45

7.32

5.78

7.63

5.64

02/01/2007

1.01

0.84

0.00

0.98

9.47

6.78

8.73

6.34

02/01/2007

1.03

1.15

0.20

1.77

11.65

7.83

9.51

6.66

02/01/2007

1.05

Stability of Principal Stability of Principal Voya Fixed Plus Account III - 4020 (1)(23) Bonds High Yield Bond Voya High Yield Portfolio - Service Class - 787 (2) Inflation-Protected Bond American Century Inflation-Adjusted Bond Fund - Inv Class - 1001

Page 1 of 7

Return to Table of Contents

See Performance Introduction Page for Important Information

Investment Options American Funds 2040 Target Date Retirement Fund®Class R-3 - 9219 (10) American Funds 2045 Target Date Retirement Fund®Class R-3 - 9216 (11) American Funds 2050 Target Date Retirement Fund®Class R-3 - 9217 (12) American Funds 2055 Target Date Retirement Fund®Class R-3 - 1871 (13) American Funds 2060 Target Date Retirement Fund®Class R-3 - 9637 (14)

Incept

Fund Gross Inception Fund Date Exp %*

Net Fund Exp %*

1-Mo

3-Mo

YTD

1-Yr

3-Yr

5-Yr

10-Yr

1.19

0.26

1.99

12.40

8.19

9.80

6.83

02/01/2007

1.06

1.23

0.19

2.10

12.78

8.38

9.94

6.90

02/01/2007

1.06

1.26

0.26

2.21

12.97

8.53

10.02

6.93

02/01/2007

1.06

1.28

0.21

2.20

13.02

8.52

9.99

10.64

02/01/2010

1.07

1.29

0.24

2.19

13.01

8.50

8.91

03/27/2015

1.14

1.10

0.83

1.63

7.91

8.48

10.76

9.05

01/24/1989

0.64

1.74

-0.23

1.48

13.78

11.82

13.03

8.47

08/01/1978

0.35

2.60

-0.19

2.10

14.65

10.96

12.72

8.53

03/04/2008

0.63

0.62

0.22

-0.44

-0.57

11.01

10.16

10.53

7.50

11/29/1988

0.73

2.88

2.17

7.54

20.71

13.57

15.11

9.44

12/01/1973

0.38

3.01

1.98

6.98

20.54

12.81

13.99

9.33

07/31/2003

0.68

2.22

2.03

1.39

11.89

7.85

11.07

8.59

03/04/2008

0.69

0.68

0.05

0.36

-1.59

6.79

6.32

10.24

9.13

05/01/2002

1.12

2.98

0.78

2.90

13.39

9.28

11.47

9.89

05/05/2000

1.03

0.91

5.21

6.97

6.31

18.98

11.37

13.11

11.02

05/01/2002

1.10

5.78

5.26

5.22

16.43

9.81

12.17

10.37

05/06/1994

0.88

4.06

6.14

2.72

15.69

9.76

11.50

9.03

04/28/2006

0.89

0.86

2.33

6.69

-4.33

0.79

3.35

5.98

5.96

01/24/1989

1.10

0.96

-2.12

-6.91

-5.00

12.45

8.84

5.08

2.16

02/18/1998

1.50

-0.76

-1.28

0.52

12.99

6.65

8.13

4.19

04/16/1984

0.54

Small/Mid/Specialty Mid-Cap Blend Voya Russell Mid Cap Index Portfolio - Class S - 1561 (17) VY® JPMorgan Mid Cap Value Portfolio - Service Class - 435 (18) Mid-Cap Growth Voya MidCap Opportunities Portfolio - Class S - 500 (19) Small Blend VY® JPMorgan Small Cap Core Equity PortfolioService Class - 752 Small Growth Voya SmallCap Opportunities Portfolio - Class I - 080 (20) Small Value VY® Columbia Small Cap Value II Portfolio - Initial Class - 1217 (21) Specialty - Real Estate VY® Clarion Real Estate Portfolio - Service Class 1019 (22) Global / International Diversified Emerging Mkts VY® JPMorgan Emerging Markets Equity Portfolio Service - 779 Foreign Large Growth American Funds EuroPacific Growth Fund® - Class R-5 - 817

Page 2 of 7 Return to Table of Contents

See Performance Introduction Page for Important Information

Investment Options World Large Stock American Funds New Perspective FundÂŽ - Class R-5 807

1-Mo

3-Mo

YTD

1-Yr

3-Yr

5-Yr

10-Yr

1.49

0.31

4.38

15.56

10.43

11.62

7.85

Incept

Fund Gross Inception Fund Date Exp %*

03/13/1973

0.49

The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. *The Gross Expense Ratios shown do not reflect any temporary fee or expense waivers that may be in effect for a fund. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees / expenses listed had been reflected.

Page 3 of 7 Return to Table of Contents

Net Fund Exp %*

0.49

PERFORMANCE

UPDATE

VALLEY VIEW HOSPITAL 403(B) PLAN Average Annual Total Returns as of: 03/31/2018

(shown in percentages)

Investment Options

Incept

Fund Gross Inception Fund Date Exp %*

Net Fund Exp %*

1-Mo

3-Mo

YTD

1-Yr

3-Yr

5-Yr

10-Yr

0.17

0.49

2.00

2.19

2.28

2.73

-0.63

-1.13

2.92

4.70

4.28

7.33

05/03/2004

0.74

0.73

0.87

-0.94

0.80

1.12

-0.40

2.59

02/10/1997

0.47

Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I - 004

0.36

-1.30

2.35

2.14

2.86

4.37

05/23/1973

0.54

World Bond Templeton Global Bond Fund - Advisor Class - 5050 (3)

0.73

1.36

-0.60

2.02

1.82

5.40

09/18/1986

0.74

0.68

-0.65

-1.20

5.14

4.14

5.36

4.62

02/01/2007

0.98

-0.78

-1.22

5.76

4.48

6.03

4.91

02/01/2007

0.98

-0.80

7.17

5.10

6.89

5.32

02/01/2007

0.99

-0.90

-0.38

9.27

6.05

8.14

6.12

02/01/2007

1.01

-1.18

-0.21

11.41

7.15

9.20

6.79

02/01/2007

1.03

-1.41

0.14

13.51

8.13

9.90

7.08

02/01/2007

1.05

-1.44

0.27

14.26

8.50

10.20

7.23

02/01/2007

1.06

-1.54

0.33

14.65

8.67

10.34

7.30

02/01/2007

1.06

-1.51

0.40

14.89

8.80

10.40

7.33

02/01/2007

1.06

Asset Allocation Lifecycle American Funds 2010 Target Date Retirement Fund®Class R-3 - 9211 (4) American Funds 2015 Target Date Retirement Fund®Class R-3 - 9218 (5) American Funds 2020 Target Date Retirement Fund®Class R-3 - 9212 (6) American Funds 2025 Target Date Retirement Fund®Class R-3 - 9213 (7) American Funds 2030 Target Date Retirement Fund®Class R-3 - 9214 (8) American Funds 2035 Target Date Retirement Fund®Class R-3 - 9215 (9) American Funds 2040 Target Date Retirement Fund®Class R-3 - 9219 (10) American Funds 2045 Target Date Retirement Fund®Class R-3 - 9216 (11) American Funds 2050 Target Date Retirement Fund®Class R-3 - 9217 (12)

Page 4 of 7

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See Performance Introduction Page for Important Information

Investment Options American Funds 2055 Target Date Retirement Fund®Class R-3 - 1871 (13) American Funds 2060 Target Date Retirement Fund®Class R-3 - 9637 (14)

1-Mo

3-Mo

YTD

1-Yr

3-Yr

5-Yr

-1.58

0.38

14.81

8.79

10.38

-1.59

0.32

14.81

8.76

-0.36

0.43

9.98

8.63

11.13

-2.15

-0.47

15.41

12.29

-3.19

-0.96

14.04

-2.51

-2.64

-2.13

3.01

-2.49

10-Yr

Incept

Fund Gross Inception Fund Date Exp %*

Net Fund Exp %*

10.63

02/01/2010

1.07

8.76

03/27/2015

1.14

1.10

9.55

01/24/1989

0.64

13.77

9.16

08/01/1978

0.35

10.79

12.96

8.73

03/04/2008

0.63

0.62

10.21

10.06

10.66

7.95

11/29/1988

0.73

3.01

20.41

13.10

15.17

9.85

12/01/1973

0.38

2.29

21.07

11.77

13.85

9.73

07/31/2003

0.68

0.06

-0.56

11.47

7.30

11.36

9.55

03/04/2008

0.69

0.68

0.10

-1.84

7.36

6.20

10.79

9.97

05/01/2002

1.12

-0.07

2.03

17.11

9.09

12.01

10.72

05/05/2000

1.03

0.91

1.00

0.38

12.51

9.04

12.52

11.38

05/01/2002

1.10

-0.45

-0.49

11.09

8.05

11.64

10.97

05/06/1994

0.88

0.66

-2.57

7.50

7.88

10.96

9.21

04/28/2006

0.89

0.86

2.90

-7.72

-3.50

-0.11

5.30

6.03

01/24/1989

1.10

0.96

-1.69

0.33

27.38

10.22

5.65

3.69

02/18/1998

1.50

-0.79

1.02

21.09

7.87

8.75

4.86

04/16/1984

0.54

-1.81

2.18

20.52

10.79

12.02

8.23

03/13/1973

0.49

Balanced Allocation--50% to 70% Equity VY® T. Rowe Price Capital Appreciation Portfolio - Inst - 1257 Large Cap Value Large Blend American Funds Fundamental Investors® - Class R-5 2079 Voya Russell Large Cap Index Portfolio - Class S 1558 (15) Large Value BlackRock Equity Dividend Fund - Institutional Shares 8518 (16) Large Cap Growth Large Growth American Funds The Growth Fund of America® - Class R-5 - 803 Fidelity Advisor New Insights Fund - Class I - 1600 Small/Mid/Specialty Mid-Cap Blend Voya Russell Mid Cap Index Portfolio - Class S - 1561 (17) VY® JPMorgan Mid Cap Value Portfolio - Service Class - 435 (18) Mid-Cap Growth Voya MidCap Opportunities Portfolio - Class S - 500 (19) Small Blend VY® JPMorgan Small Cap Core Equity PortfolioService Class - 752 Small Growth Voya SmallCap Opportunities Portfolio - Class I - 080 (20) Small Value VY® Columbia Small Cap Value II Portfolio - Initial Class - 1217 (21) Specialty - Real Estate VY® Clarion Real Estate Portfolio - Service Class 1019 (22) Global / International Diversified Emerging Mkts VY® JPMorgan Emerging Markets Equity Portfolio Service - 779 Foreign Large Growth American Funds EuroPacific Growth Fund® - Class R-5 - 817 World Large Stock American Funds New Perspective Fund® - Class R-5 807

Page 5 of 7 Return to Table of Contents

Additional Notes (1)The current rate for the Voya Fixed Plus Account III MC 902, Fund 4020 is 2.00%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 1.00%. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. (2)Voya High Yield Portfolio - Service Class: The adviser is contractually obligated to waive a portion of the management fee through May 1, 2017. The management fee waiver for the Portfolio is an estimated 0.01%. Termination or modification of this obligation requires approval by the Portfolio's board. (3)Templeton Global Bond Fund - Advisor Class: The investment manager has contractually agreed in advance to reduce its fees as a result of the Fund's investments in Franklin Templeton affiliated funds (acquired funds), including a Franklin Templeton money fund, for the next 12-month period. Contractual fee waiver and/or expense reimbursement agreements may not be changed or terminated during the time period set forth above. (4)American Funds 2010 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (5)American Funds 2015 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (6)American Funds 2020 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (7)American Funds 2025 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (8)American Funds 2030 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (9)American Funds 2035 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (10)American Funds 2040 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (11)American Funds 2045 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (12)American Funds 2050 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year. (13)American Funds 2055 Target Date Retirement Fund - Class R-3: The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least November 1, 2016. The waiver may only be modified or terminated with the approval of the series' board. Based on estimated amounts for the current fiscal year.

Page 6 of 7 Return to Table of Contents

See Performance Introduction Page for Important Information Additional Notes (14)American Funds 2060 Target Date Retirement Fund - Class R-3: Based on estimated amounts for the current fiscal year. The investment adviser is currently reimbursing a portion of the other expenses for each share class. This reimbursement will be in effect through at least January 1, 2017. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. (15)Voya Russell (TM) Large Cap Index Portfolio - Class S: The adviser is contractually obligated to limit expenses to 0.62% through May 1, 2018. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of this obligation requires approval by the Portfolio's board. (16)BlackRock Equity Dividend Fund - Institutional Shares: As described in the "Management of the Fund" section of the Fund's prospectus beginning on page 39, BlackRock has contractually agreed to waive the management fee with respect to any portion of the Fund's assets estimated to be attributable to investments in other equity and fixed-income mutual funds and exchange-traded funds managed by BlackRock or its affiliates that have a contractual management fee, through November 30, 2018. The contractual agreement may be terminated upon 90 days' notice by a majority of the non-interested trustees of the Fund or by a vote of a majority of the outstanding voting securities of the Fund. The Total Annual Fund Operating Expenses do not correlate to the ratio of expenses to average net assets given in the Fund's most recent annual report which does not include Acquired Fund Fees and Expenses. (17)Voya Russell (TM) Mid Cap Index Portfolio - Class S: The adviser is contractually obligated to limit expenses to 0.68% through May 1, 2018. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of this obligation requires approval by the Portfolio's board. (18)VY JPMorgan Mid Cap Value Portfolio - Service Class: The adviser is contractually obligated to limit expenses to 1.25% through May 1, 2017. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of this obligation requires approval by the Portfolio's board. (19)Voya MidCap Opportunities Portfolio - Class S: The adviser is contractually obligated to limit expenses to 1.10% through May 1, 2019. In addition, the adviser is contractually obligated to further limit expenses to 1.10% through May 1, 2019. The limitations do not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. These limitations are subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of these obligations requires approval by the Portfolio's board. (20)Voya SmallCap Opportunities Portfolio - Class I: The adviser is contractually obligated to limit expenses to 0.92% through May 1, 2018. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of this obligation requires approval by the Portfolio's board. (21)VY Columbia Small Cap Value II Portfolio - Initial Class: The adviser is contractually obligated to limit expenses to 1.15% through May 1, 2017. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. The adviser is contractually obligated to waive a portion of the management fee through May 1, 2017. The management fee waiver for the Portfolio is an estimated 0.03%. Termination or modification of these obligations requires approval by the Portfolio's board. (22)VY Clarion Real Estate Portfolio - Service Class: The adviser is contractually obligated to limit expenses to 1.00% through May 1, 2017. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. The adviser is contractually obligated to waive a portion of the management fee through May 1, 2017. The management fee waiver for the Portfolio is an estimated 0.04%. Termination or modification of these obligations requires approval by the Portfolio's board. (23)The Investment Option is neither a mutual fund nor part of a Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan. The Investment Option is offered through Voya Retirement Insurance and Annuity Company. Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company, One Orange Way Windsor, CT 06095, (VRIAC), which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the Voya family of companies. Securities are distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. The chart shows the performance for each investment option for the time periods shown.

Creation Date: Tuesday, June 12, 2018 Page 7 of 7

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Voya Fixed Plus Account III The Voya Fixed Plus Account III is available through a group annuity or other type of contract issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). The Voya Fixed Plus Account III is an obligation of VRIAC’s general account which supports all of the company's insurance and annuity commitments. All guarantees are based on the financial strength and claims-paying ability of VRIAC, who is solely responsible for all obligations under its contracts. Asset Class: Stability of Principal Important Information This information should be read in conjunction with your contract prospectus, contract prospectus summary or disclosure booklet, as applicable. Please read them carefully before investing. Voya Retirement Insurance and Annuity Company One Orange Way Windsor, CT 06095-4774 www.voyaretirementplans.com Objective Stability of principal is the primary objective of this investment option. The Voya Fixed Plus Account III guarantees minimum rates of interest and may credit interest that exceeds the guaranteed minimum rates. Daily credited interest becomes part of principal and the investment increases through compound interest. All amounts invested by your plan in the Voya Fixed Plus Account III receive the same credited rate. This is known as a portfolio method of interest rate crediting. Key Features The Voya Fixed Plus Account III is intended to be a long-term investment for participants seeking stability of principal. The assets supporting it are invested by VRIAC with this goal in mind. Therefore, VRIAC may impose restrictions on the ability to move funds into or out of this investment option or among investment options in general. These restrictions help VRIAC to provide stable credited interest rates which historically have not varied significantly from month to month despite the general market's volatility in new money interest rates.

Restrictions on Transfers from the Voya Fixed Plus Account III Transfers from the Voya Fixed Plus Account III will be subject to either the percentage limit restrictions or the equity wash restrictions shown below, as selected by the plan sponsor. Percentage Limit Restrictions on Transfers Transfers from the Voya Fixed Plus Account III to other investment options are subject to the following restrictions: (a) During each rolling 12 month period, up to 20% of the amount in the Voya Fixed Plus Account III may be transferred to other investment options; and (b) The amount available for transfer is based on the individual account value in the Voya Fixed Plus Account III on the business day we receive the transfer request in good order, reduced by any amount withdrawn, transferred, taken as a loan or used to purchase annuity payments during the 12 months prior to the transfer request. We reserve the right to reduce the amount available for transfer by amounts withdrawn under a systematic distribution option. Equity Wash Restrictions on Transfers Transfers between investment options are allowed at any time, subject to the following provisions: (a) Direct transfers from the Voya Fixed Plus Account III cannot be made to a Competing Investment Option; (b) A transfer from the Voya Fixed Plus Account III to other investment options under the contract cannot be made if a transfer to a Competing Investment Option has taken place within 90 days; (c) A transfer from the Voya Fixed Plus Account III to other investment options under the contract cannot be made if a non-benefit withdrawal from a non-Competing Investment Option has taken place within 90 days; and (d) A transfer from a non-Competing Investment Option to a Competing Investment Option cannot be made if a transfer from the Voya Fixed Plus Account III has taken place within 90 days. Notwithstanding the above equity wash restrictions, automatic transfers from the

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CN1010-37724-1119

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Voya Fixed Plus Account III to the loan investment option (if available) under the plan to accommodate a loan request are allowed at any time. Equity Wash Restrictions on NonBenefit Withdrawals Non-benefit withdrawals are subject to the following restrictions: (a) Non-benefit withdrawals may not be made from the Voya Fixed Plus Account III; and (b) Non-benefit withdrawals may not be made from a non-Competing Investment Option if a transfer from the Voya Fixed Plus Account III has taken place within 90 days. Competing Investment Option As used throughout this document, a Competing Investment Option is defined as any investment option that: (a) Provides a direct or indirect investment performance guarantee; (b) Is, or may be, invested primarily in assets other than common or preferred stock; (c) Is, or may be, invested primarily in financial vehicles (such as mutual funds, trusts or insurance contracts) which are invested in assets other than common or preferred stock; (d) Is available through the selfdirected brokerage account; or (e) Is any investment option with similar characteristics to the above. Examples of such investment options would include money market instruments, repurchase agreements, guaranteed investment contracts, or investments offering a fixed rate of return, or any investment option having a targeted duration of less than three years. Additionally, the self-directed brokerage account is considered a Competing Investment Option. Any nonenforcement of the Competing Investment Option transfer restrictions is temporary and will not constitute a waiver of these requirements. Investment options that no longer accept contributions or transfers are not considered to be Competing Investment Options. Requests for Full Withdrawals Withdrawals from the Voya Fixed Plus Account III are allowed to pay benefits to participants at any time. However, if the plan, as the contract holder, requests a full withdrawal of all participant accounts held in the Voya Fixed Plus Account III, we will pay amounts in the Voya Fixed

Plus Account III, with interest, in five annual payments that will be equal to: x One-fifth of the value in the Voya Fixed Plus Account III as of the business day we receive the withdrawal request in good order reduced by the amount, if any, transferred (including transfers made to issue a loan), withdrawn, or used to purchase annuity payments during the prior 12 months (we reserve the right to reduce the amount available by deducting any amount withdrawn under a systematic distribution option); then x One-fourth of the remaining amount 12 months later; then x One-third of the remaining amount 12 months later; then x One-half of the remaining amount 12 months later; then x The balance of the value in the Voya Fixed Plus Account III 12 months later. Interest Rate Structure The Voya Fixed Plus Account III guarantees principal and a guaranteed minimum interest rate (“GMIR”) for the life of the contract, as well as featuring two declared interest rates: a current rate, determined at least monthly, and a guaranteed minimum floor rate declared for a defined period - currently one calendar year. The guaranteed minimum floor rate may change after a defined period, but it will never be lower than the GMIR that applies for the life of the contract. The current rate, the guaranteed minimum floor rate and the GMIR are expressed as annual effective yields. Taking the effect of compounding into account, the interest credited to your account daily yields the then current rate.

higher than the GMIR/guaranteed minimum floor rate and may be changed at any time, except that we will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. The current rate for a plan’s initial investment in the Voya Fixed Plus Account III may be in effect for less than a full threemonth period. Any insurance products, annuities and funding agreements that you may have purchased are issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). VRIAC is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC (“VIPS”). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by Voya Institutional Trust Company. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other brokerdealers with which it has a selling agreement. All products or services may not be available in all states.

VRIAC's determination of credited interest rates reflects a number of factors, including mortality and expense risks, interest rate guarantees, the investment income earned on invested assets and the amortization of any capital gains and/or losses realized on the sale of invested assets. Under this option, VRIAC assumes the risk of investment gain or loss by guaranteeing the principal amount you allocate to this option and promising a minimum interest rate during the accumulation period and also throughout the annuity payout period, if applicable. Currently, the guaranteed minimum floor rate equals the GMIR. The current rate to be credited under a contract may be

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Voya FinancialTM “Excessive Trading” Policy

The Voya FinancialTM family of companies (VoyaTM), as providers of multi-fund variable insurance and retirement products, has adopted this Excessive Trading Policy to respond to the demands of the various fund families which make their funds available through our variable insurance and retirement products to restrict excessive fund trading activity and to ensure compliance with Section 22c-2 of the Investment Company Act of 1940, as amended. Voya’s current deﬁnition of Excessive Trading and our policy with respect to such trading activity is as follows:

1. Voya actively monitors fund transfer and reallocation activity within its variable insurance and retirement products to identify Excessive Trading. Voya currently deﬁnes Excessive Trading as: a. More than one purchase and sale of the same fund (including money market funds) within a 60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a “round-trip”). This means two or more round-trips involving the same fund within a 60 calendar day period would meet Voya’s deﬁnition of Excessive Trading; or b. Six round-trips within a 12 month period. The following transactions are excluded when determining whether trading activity is excessive: a. Purchases or sales of shares related to non-fund transfers (for example, new purchase payments, withdrawals and loans); b. Transfers associated with scheduled dollar cost averaging, scheduled rebalancing or scheduled asset allocation programs; c. Purchases and sales of fund shares in the amount of $5,000 or less; d. Purchases and sales of funds that affirmatively permit short-term trading in their fund shares, and movement between such funds and a money market fund; and e. Transactions initiated by a member of the Voya family of insurance companies.

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2. If Voya determines that an individual has made a purchase of a fund within 60 days of a prior round-trip involving the same fund, Voya will send them a letter warning that another sale of that same fund within 60 days of the beginning of the prior round-trip will be deemed to be Excessive Trading and result in a six month suspension of their ability to initiate fund transfers or reallocations through the Internet, facsimile, Voice Response Unit (VRU), telephone calls to Customer Service, or other electronic trading medium that Voya may make available from time to time (“Electronic Trading Privileges”). Likewise, if Voya determines that an individual has made ﬁve roundtrips within a 12 month period, Voya will send them a letter warning that another purchase and sale of that same fund within 12 months of the initial purchase in the ﬁrst round-trip in the prior twelve month period will be deemed to be Excessive Trading and result in a six month suspension of their Electronic Trading Privileges. According to the needs of the various business units, a copy of the warning letters may also be sent, as applicable, to the person(s) or entity authorized to initiate fund transfers or reallocations, the agent/registered representative or investment adviser for that individual. A copy of the warning letters and details of the individual’s trading activity may also be sent to the fund whose shares were involved in the trading activity.

3. If Voya determines that an individual has used one or more of its products to engage in Excessive Trading, Voya will send a second letter to the individual. This letter will state that the individual’s Electronic Trading Privileges have been suspended for a period of six months. Consequently, all fund transfers or reallocations, not just those which involve the fund whose shares were involved in the Excessive Trading activity, will then have to be initiated by providing written instructions to Voya via regular U.S. mail. During the six month suspension period, electronic “inquiry only” privileges will be permitted where and when possible. A copy of the letter restricting future transfer and reallocation activity to regular U.S. mail and details of the individual’s trading activity may also be sent to the fund whose shares were involved in the Excessive Trading activity.

4. Following the six month suspension period during which no additional Excessive Trading is identified, Electronic Trading Privileges may again be restored. Voya will continue to monitor the fund transfer and reallocation activity, and any future Excessive Trading will result in an indefinite suspension of the Electronic Trading Privileges. Excessive Trading activity during the six month suspension period will also result in an indefinite suspension of the Electronic Trading Privileges. 5. Voya reserves the right to limit fund trading or reallocation privileges with respect to any individual, with or without prior notice, if Voya determines that the individual’s trading activity is disruptive, regardless of whether the individual’s trading activity falls within the definition of Excessive Trading set forth above. Also, Voya’s failure to send or an individual’s failure to receive any warning letter or other notice contemplated under this Policy will not prevent Voya from suspending that individual’s Electronic Trading Privileges or taking any other action provided for in this Policy.

Voya.com

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6. Each fund available through Voya’s variable insurance and retirement products, either by prospectus or stated policy, has adopted or may adopt its own excessive/frequent trading policy. Voya reserves the right, without prior notice, to implement restrictions and/or block future purchases of a fund by an individual who the fund has identiﬁed as violating its excessive/ frequent trading policy. All such restrictions and/or blocking of future fund purchases will be done in accordance with the directions Voya receives from the fund.

INVESTMENT ADVISORY AGREEMENT PLEASE READ THE FOLLOWING CAREFULLY It contains important information about Morningstar® Retirement ManagerSM Morningstar Investment Management LLC (“Morningstar,” “we,” “us,” or “our”), is a registered investment adviser registered with the United States Securities and Exchange Commission (the “SEC”) pursuant to the Investment Advisers Act of 1940, as amended (the “Advisers Act”). Please carefully review this Investment Advisory Agreement (the “Agreement”). By clicking “I ACCEPT” displayed below, by stating your acceptance to a call center representative (“Representative”), or by signing a paper enrollment form, you (i) acknowledge having received, read and understood the Agreement and agree to be bound by it; and (ii) represent to us that you are a citizen and/or legal resident of the United States or any of its territories. If viewing this document online, click here to view our Form ADV Part 2 Firm Brochure (the “Firm Brochure”). A paper copy of our Firm Brochure is available by mail. To obtain one, please send your request with your name and address either by email to compliancemail@morningstar.com or by regular mail to the address listed below. By clicking "I ACCEPT" displayed below, or by stating your acceptance to a Representative, or by signing a paper enrollment form, you acknowledge that you have either agreed to the electronic delivery of our Firm Brochure and have reviewed it, or that you have received a paper copy of our Firm Brochure and have reviewed it. You also agree that all communications from us may be sent to you by email or by other electronic format such as posting on our web site. You understand that your consent to such electronic delivery is effective immediately upon your acceptance of this Agreement and will remain in effect unless and until either you or we withdraw it. You may withdraw your consent to electronic delivery or request a paper copy of this Agreement and/or the Firm Brochure by contacting a Representative at the telephone number listed in the “Contact Us” link on our web site. You may also contact us by writing Morningstar Investment Management LLC, 22 W. Washington Street, Chicago, IL 60602, Attn: Compliance Dept. You have the right to terminate this Agreement without penalty at any time after entering into this Agreement. Federal law prohibits us from assigning this Agreement (within the meaning of the Investment Advisers Act of 1940) to another investment adviser without your consent. Where applicable, federal law governs the terms of this Agreement and the provision of our Services. We agree to provide you with investment advisory services (the “Services”) that your plan sponsor (the “Plan Sponsor”), recordkeeper or service provider has decided to offer and that you have decided to accept. You understand that your Plan Sponsor or service provider is responsible for selecting the universe of investment options that are to be used in your employer-sponsored retirement plan or other retirement account (“Account”), and that your Plan Sponsor or service provider may change these options over time and that these investment options may include those that are affiliated with your service provider. You also understand that you may not have access to all of the Services as described herein. The Services are offered through the Morningstar Retirement Manager platform and may include “Managed by Morningstar” managed account service (“Managed Account Service”), or “Managed by You” advice program (“Advice Service”). If you select the Managed Account Service, we will actively manage your Account, as described below. If you select the Advice Service, you are solely responsible for your investment decisions, including whether to accept, reject, or modify our investment recommendations or suggestions, and you are also responsible for implementing our recommendations. The Managed Account Service and Advice Service are described below in greater detail. We will provide the Services to you at all times in good faith, and will use reasonable care, consistent with industry practices of similarly situated advisers, in providing the Services. However, we do not guarantee that the Services will be delivered to you without interruption, timely, error-free, or secure. Errors may occur in software-based Services as a result of programming errors, database errors, or other causes. We will provide the Services with that degree of prudence, diligence, care, and skill which a prudent person rendering similar services as an investment adviser would exercise under similar circumstances. The provisions of this Agreement shall not be interpreted to imply any other obligation on our part to observe any other standard of care. In the event an error occurs in our software-based Services, we reserve the right to correct such error in a manner that we deem prudent, subject to any applicable federal and state securities laws. The Services offered by us are for your personal use only, and are not to be used for any commercial or business purposes. You agree that we may assume that all information provided to us by you, your Plan Sponsor, recordkeeper, or service provider in connection with our Services is true and accurate. The Services offered by us are to be used by you only in making decisions about the allocation of assets in your Account. The Services are not designed to provide investment advice for an account that will be used by you for non-retirement purposes. The Services estimate your federal, state income, and capital gains taxes based on marginal tax rate calculations (the marginal tax rate is the rate you pay on the taxable income that falls into the highest bracket you reach). These calculations are used when the Services conduct the income simulations. Tax data is updated annually based on United States Internal Revenue Code (IRC) and similar state tax data. The Services use income data for you, as well as your spouse/partner (if provided), to estimate federal and state tax exposure. Your tax exposure is appropriately reduced for pre-tax deferrals, tax-deferred capital gains, and yield and distribution of Roth proceeds. Based on the information we know about you, the Services provide an estimate of your tax exposure, but may not include all tax considerations. Please consult a tax adviser for a complete understanding of your tax situation. We cannot and do not make any guarantee about the future performance or profitability of your Account, nor do we promise that our investment allocation recommendations will be profitable. The investments that we may recommend may be subject to a variety of risks, including market, currency, and political risks. Please note that past performance of a mutual fund, stock, or other investment vehicle does not guarantee its future performance.

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You agree to use the Services in accordance with this Agreement. You are responsible for reviewing your Account periodically to monitor changes in your Account, including changes in the value of the investments in your Account. You also consent to the transmission of your personal information between us and your service provider or recordkeeper, and you acknowledge that you have received our privacy policy. The projections, recommendations and suggestions offered under the Services are based on information you provide about your current financial situation, personal status, as well as general market and financial conditions existing on the date you use the Services. You agree to provide complete and accurate information to the extent that the Services ask for such information. You also agree to update that information when your personal or financial circumstances change. While the Services take into consideration all assets that you choose to input to determine our investment recommendations, the Services are not designed to provide recommendations on how to structure your overall retirement holdings (i.e., your assets both inside and outside of your Account). You should consider your other assets, income, and investments in addition to your Account. The Services only provide recommendations or suggestions on how to structure the holdings within your Account, and those recommendations or suggestions are limited by the investment choices available within your Account. You should consider consulting a professional financial adviser to discuss how other investment options outside of your Account might be combined with the Services to best meet your overall retirement goals. Managed Account Service The Managed Account Service is a discretionary asset management program designed for participants of a defined contribution or deferred compensation retirement plan, or owners of other types of retirement accounts, that are seeking a financial professional to manage the assets within their Account. If you elect to take part in the Managed Account Service by accepting this Agreement, we will act as your investment adviser, and you grant us authority as attorney-in-fact to act on your behalf and give us full decisionmaking authority over the investments in your Account without having to consult you in advance. We will have no responsibility or authority over (i) those assets that are subject to Plan Sponsor restrictions, (ii) those assets held in a self-directed brokerage window (if available under your plan), (iii) restricted employer company stock held in your Account, and (iv) any assets held outside of your Account. If you participate in the Managed Account Service, we acknowledge that we are an “investment manager” (as that term is defined in ERISA Section 3(38)) for your Account and a fiduciary of the Plan to the extent we have decision-making authority over the investments in your Account. You also understand that we will not vote proxies for the investment options in which you will be invested. In the Managed Account Service, we will typically review your Account on a quarterly basis and rebalance if necessary. However, please note that your plan recordkeeper or service provider may not be able to process rebalancing transactions if any investment option in your Account has any restriction (e.g., equity wash restriction) at the time the rebalancing transaction instruction is received by the plan recordkeeper or service provider. In addition, rebalancing transaction instructions may be rejected if any data validation error exists on your Account. In these instances, your Account may not be rebalanced until the next quarterly review period when all restrictions have been lifted and/or data validation errors have been corrected. You agree to pay us a fee for the services provided under the Managed Account Service (the “Managed Account Fee”). The Managed Account Fee is based on three factors: the overall level of assets in the plan in which you participate, your Account value within the plan and a fee paid to a broker/dealer or investment advisory firm for recommending the Managed Accounts service to your plan, if applicable. Fees are calculated based on your total current plan balance minus any amount in company stock, a brokerage window, or any outstanding loan balance. Fees are assessed according to the following schedule: x If the plan in which you participate does not automatically enroll its participants into Managed Accounts, the annual fee is: o 0.30% , if the overall level of assets in the plan in which you participate is under $3 million: o 0.28% , if the overall level of assets in the plan in which you participate is between $3 million and $10 million; o 0.25%, if the overall level of assets in the plan in which you participate is above $10 million. The Managed Accounts Fee is reviewed annually and is subject to change based on the overall level of assets in the plan in which you participate according to the above schedules. Your plan’s recordkeeper may also charge you or your plan sponsor an asset-based fee for administrative and other recordkeeping services associated with Managed Accounts. The recordkeeper’s maximum fee scale is the same as above. You may find the specific fees applicable to your plan by establishing and logging into your account at www.voyaretirement.com or by reviewing your enrollment materials. You authorize your service provider or recordkeeper to deduct the Managed Account Fee from your Account at the end of each calendar quarter in arrears and remit the Managed Account Fee to Morningstar. The Managed Account Fee does not include any redemption fees, charges or expenses imposed by any investment options (e.g., mutual funds) held within your Account. These investment options may be subject to separate investment advisory, administration, transfer agency, distribution, shareholder service and other expenses that are paid by you, indirectly, as a shareholder/unit holder. You may invest in the investment options without participating in the Managed Account Service (and paying us the Managed Account Fee), however, if you do so, you will not receive the discretionary asset management contemplated by this Agreement. The Managed Account Fee paid may not be the same as that charged to other clients of comparable size or with similar investment objectives. The payment arrangements depend on the agreements between your Plan Sponsor, your recordkeeper or service provider, and Morningstar. Your recordkeeper or service provider may also charge you or your Plan Sponsor a fee to cover the administrative and other recordkeeping costs associated with the Managed Account Service. Advice Service The Advice Service is offered to you for your use in making decisions about the allocation of assets in your Account. You are responsible for making your own investment allocation decisions, and you are free to accept or reject, in whole or in part, the investment allocation recommendations made by the Advice Service. The Advice Service does not make any investment decisions for you. We cannot monitor, review or update our recommendations or projections on an on-going basis, nor do we have the capability to monitor or review investment decisions you make based on our recommendations. Because the Advice Service depends on the completeness, accuracy and timeliness of the information you provide, you are solely responsible for reviewing and updating your individual financial information. You are responsible for tracking your Account and the market to be aware of any changes in the

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value of your Account. The payment arrangements for the Advice Service depend on the agreements between your Plan Sponsor, your recordkeeper or service provider, and Morningstar. Company Stock If your Account includes securities issued by your employer that are freely marketable without restrictions imposed by your employer (“Non-restricted Company Stock”), our recommendation will be to sell 25% of the Non-Restricted Company Stock each time your Account is reviewed by us. If you are enrolled in the Managed Account Service, we will send a transaction to sell 25% of your NonRestricted Company Stock upon you completing a Web session or upon the quarterly review of your Account. We will sell 100% immediately if instructed to do so by you or if the Non-restricted Company Stock balance reaches $3,000 or 3% of your Account balance. These sales of Non-restricted Company Stock will also include any new Non-restricted Company Stock that is allocated automatically to your Account. In addition, we will recommend that you sell any future contributions of Non-restricted Company Stock. Morningstar shall have no responsibility with respect to any securities issued by your employer that are not freely marketable or subject to any restrictions. Important Considerations document for the IncomeFlex program before using our Services. ___________________________________________ Below are some important questions and answers regarding the investment options available in your plan: Who selected the investment options available in my plan? Your Plan Sponsor or service provider is responsible for determining what investment options are made available to you in your plan. The selection was done either by your Plan Sponsor or service provider alone or with the assistance of a consultant. In most cases, we have no involvement in the selection of the investment options available to you. However, there may be instances in which a Plan Sponsor or service provider uses us to assist it in the selection of the investment options available to you. This assistance is done separately and is not part of the Services. What are the past performances and historical rates of return of the investment options available in my plan? For information about the past performance and other pertinent information regarding the investment options available in your plan, please click on the Investment Research link within the Morningstar Retirement Manager website. Does Morningstar or its affiliates have any material affiliation or contractual relationship with the investment options available in my plan? In most cases, we do not have a contractual relationship with any of the investment options available in your plan. However, in some cases we or our affiliates provide advisory services to funds that may be available as an investment option in your plan. To mitigate the conflict of interest from this relationship, we will not include recommendations into these investment options through our Services. Additionally, we may have a contractual relationship with and may receive compensation from your plan’s service provider for making our Services available to your plan and to the individuals that use our Services. Additionally, one or more of the investment options available in your plan may be affiliated with your plan’s service provider. To mitigate a conflict of interest from this relationship, we base our fund recommendations on an objective methodology, and our compensation does not vary based on the funds that we recommend. In addition, our parent company, Morningstar, Inc., offers numerous products and services to the financial community. Therefore, there may be instances in which an investment options’ investment adviser uses Morningstar, Inc. products and services. A conflict of interest resulting from this kind of situation is mitigated by the fact that recommendations provided by us are derived from a quantitative process which in no way is influenced by the products and services provided by Morningstar, Inc. Miscellaneous We reserve the right, in our complete and sole discretion, to alter, modify, add, update or remove portions of this Agreement at any time. Please review this Agreement periodically for changes to its terms. Using the Services after we post changes constitutes your acceptance of any changed terms. We expressly reserve the right to monitor any and all use of the Services. All trademarks, service marks, trade names and other intellectual property displayed in connection with the Services are the property of Morningstar. You acknowledge that United States copyright law and other laws governing intellectual property protect the Services and the information contained in the Services. You also agree and acknowledge that the Services contain proprietary data and information of Morningstar, and you agree that you will not use such data or information for any unlawful purpose, or any commercial or business purpose. If there is a dispute between you and us about the Services that cannot be resolved, we each agree that the dispute will be resolved through binding arbitration to be conducted pursuant to the rules established by the American Arbitration Association. A panel of three arbitrators will be selected. Each party shall select one arbitrator, and the two arbitrators so selected shall then select the third. Each party shall bear their own expenses, including attorney’s fees, and the parties shall share the cost of the arbitration equally. By agreeing to arbitration, you are giving up the right to have your claim heard in a court of law, however, either party may bring an action in court to compel arbitration under this Agreement and to enforce an arbitration award. The arbitrators’ decision may not include factual findings or legal analysis. The rules of procedure for arbitration differ from the rules of court. Also, the right to appeal the decision of the arbitration panel is limited. Arbitration shall be final and binding upon the parties. We may terminate this Agreement and your access to the Morningstar Retirement Manager web site and Services immediately if we determine that you have breached this Agreement. We may terminate this Agreement and your access to the Morningstar Retirement Manager web site and the Services immediately if we do not receive timely payment for the Services. We may also terminate this Agreement and your access to the Morningstar Retirement Manager web site and the Services if the agreement between us and your

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service provider, recordkeeper or Plan Sponsor is terminated. You have the right to terminate this Agreement without penalty at any time. Termination of this Agreement will not affect the provisions of this Agreement relating to arbitration of disputes, the validity of any action taken prior to termination, or liabilities for actions taken prior to termination. Except as otherwise provided by law, we will not be responsible for (i) any loss or damages arising from any advice or recommendation made or any other action taken or omitted to be taken in good faith or (ii) any loss resulting from our use of inaccurate, outdated or incomplete information furnished by you or through your Plan Sponsor, service provider or recordkeeper. Federal and state securities laws and the Employee Retirement Income Security Act of 1974, as amended (â&#x20AC;&#x153;ERISAâ&#x20AC;?), to the extent applicable, impose liabilities in certain circumstances on persons who act in good faith, and nothing in this Agreement waives or limits any rights you may have under those laws. We will not be responsible for any loss caused directly or indirectly by government restrictions, exchange or market rulings, suspension of trading (including suspension of redemption rights in your investment option), war, natural disasters, or other conditions beyond our control, including extreme market volatility. If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The laws of the State of Illinois will govern this Agreement and its enforcement, except to the extent federal law preempts Illinois law. Nothing herein will be construed in any manner inconsistent with the Advisers Act, ERISA (if applicable), or any rule or order of the SEC.

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Rev. 03/2017 FACTS

WHAT DOES MORNINGSTAR INVESTMENT MANAGEMENT LLC DO WITH YOUR PERSONAL INFORMATION? Financial companies can choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Why?

As necessary, we seek certain personal information about you to provide you with services. This information is used primarily to provide you with investment advice, but is also used to perform such activities as responding to your requests and inquiries. By using our services, you consent to the collection and use of your personal information and any related information in the manner described in this document. What?

The personal information we collect depends on which product or service you use. This information can include: Your name, address, phone number, and email address Your social security number or other unique identifier Your account information, such as account balance, contributions, etc. Your demographic information, such as age, gender, salary, etc. Your usage data, such as number of logins or number of transactions generated, etc. We may share some of this data in order to conduct our everyday business. We do not share any of your information when you are no longer our client. All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons we choose to share; and whether you can limit this sharing.

How?

Reasons financial companies can share your personal information For our everyday business purposes—such as to process your transactions, maintain your account(s),or respond to court orders and legal investigations For our marketing purposes—to offer our products and services For joint marketing with other financial companies For our affiliates’ everyday business purposes—information about your transactions and experiences For our affiliates’ everyday business purposes—information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you For our research purposes

What we do How does Morningstar Investment Management protect my personal information?

How does Morningstar Investment Management collect my personal information? Why can’t I limit all sharing?

Definitions Affiliates Nonaffiliates

Joint marketing

Do we share? Yes. See “Other important information” below. Yes. See “Other important information” below. No

Can you limit this sharing? No No N/A

N/A

No No Yes. See “Other important information” below.

N/A N/A No

We use appropriate security measures to protect against unauthorized access, alteration, disclosure or destruction of personal information. These measures include computer safeguards and physical security measures to guard against unauthorized access to systems where we store personal data. We operate secure data networks protected by industry standard firewall and password protection systems. We use cookies which store session information in numerical value form and time stamp. This information also allows us to collect general usage data such as which features have been utilized. We collect your personal information from a variety of sources, for example: from you when you access our service directly from your authorized financial professional (if applicable) from your employer or an agent of your employer from your plan record-keeper or plan service provider Federal law only gives you the right to limit: sharing for affiliates’ everyday business purposes — information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies’ policies may give you additional rights to limit sharing.

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies within the Morningstar, Inc. family of companies, including Morningstar Investment Services LLC. Companies not related by common ownership or control. They can be financial and nonfinancial companies. Morningstar Investment Management does not share your personal information with nonaffiliates for the purpose of their marketing their services to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Morningstar Investment Management does not share your personal information for any such joint marketing activities.

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Other important information As a general rule, we will not make your personal information available to anyone outside of Morningstar Investment Management or our affiliates, except as instructed by you or where required to comply with law. Please note, however, that there are some exceptions to this policy. We may share your personal information with third parties who provide contractually specified services, such as performing record-keeping, producing reports and assisting us with our marketing activities. Additionally, we may share certain types of anonymized personal information, such as your anonymized usage data, with select third parties for the purposes of their conducting research studies (e.g., on investor behavior) and publishing the results of those research studies in publically-available research reports/papers. Anonymized information means your personally identifiable information will be removed, and data is aggregated for statistical purposes. In either case, we limit access to your personal information to those third parties that have agreed to keep it strictly confidential. We may use your information which includes, but is not limited to, your name and email address, to contact you directly for research opportunities (e.g. product surveys) conducted by Morningstar Investment Management or our affiliates. We will not sell your personal information to anyone. As noted above, we may disclose personal information as permitted by Regulation S-P to nonaffiliates that provide services relating to maintaining or servicing accounts, such as a record-keeper or retirement account service provider. We reserve the right to change this policy at any time by distributing and/or posting a new privacy policy without notice. We encourage you to review our privacy policy on a regular basis so that you are aware of any changes. In addition, as required by Regulation S-P, we will distribute our privacy policy to you at least once per year.

Questions?

If you have further questions, contact us at compliancemail@morningstar.com.

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Morningstar Investment Management LLC Form ADV Part 2A: Firm Brochure

Retirement Plan Services for Individuals 22 West Washington Street, Chicago, IL 60602 Phone: 312.696.6000 www.corporate.morningstar.com

Morningstar’s outstanding shares. Because of that ownership, Mr. Mansueto is an indirect owner of Morningstar Investment Management.

March 27, 2018 This brochure provides information about the qualifications and business practices of Morningstar Investment Management LLC. If you have any questions about the contents of this brochure, please contact us at 312.696.6000 or send an email to compliancemail@morningstar.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Additional information about Morningstar Investment Management LLC is available on the SEC’s website at www.adviserinfo.sec.gov. Morningstar Investment Management LLC is registered with the SEC as a registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. All current versions of our firm brochures are available in the Part 2 Brochures section of this record on the SEC’s website. You may also request a copy of our current brochure free of charge by contacting our Compliance Department at 312.696.6000, or by email to compliancemail@ morningstar.com. In your request, please indicate the name of the company (Morningstar Investment Management) and the service brochure(s) (Retirement Plan Services for Individuals or Institutional Advisory Services) you are requesting.

Item 3. Table of Contents

Morningstar Investment Management is registered with the SEC under Section 203(c) of the Investment Advisers Act of 1940, as amended (“Advisers Act”). Morningstar Investment Management has filed the appropriate notices to conduct business in all 50 states, the District of Columbia, Guam, and the Commonwealth of Puerto Rico. Morningstar Investment Management is part of Morningstar’s Investment Management group, a global investment team composed of more than 90 investment analysts, portfolio managers, and other investment professionals. The Investment Management group consists of Morningstar’s subsidiaries that are authorized in the appropriate jurisdiction to provide investment management and advisory services. The Investment Management group’s investment and operations teams span the globe, with 10 country offices and primary offices in Chicago, London, and Sydney. Morningstar’s Investment Management group builds its advisory services on several fundamental principles:

Personalized. Our primary objective is to help you achieve a sustainable

retirement income by furnishing you with a personalized strategy on asset allocation and investments. We tailor our strategy to your specific circumstances, including financial situation, future retirement goals, and risk capacity (the amount of risk you may want to take to help reach your goals).

Goals-Based. We recognize that a prudent strategy must be built in relation

to specific goals, and we help you define those goals and develop a strategy aimed at reaching them.

Advisory Business ........................................................................................ 1 Fees and Compensation ............................................................................... 3 Performance Based Fees and Side-by-Side Management ............................ 3 Types of Clients ............................................................................................ 3 Methods of Analysis, Investment Strategies, and Risk of Loss .................... 4 Disciplinary Information ................................................................................ 7 Other Financial Industry Activities and Affiliations ........................................ 7 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ......................................................................................................... 9 Brokerage Practices .................................................................................... 10 Review of Accounts ................................................................................... 10 Client Referrals and Other Compensation ................................................... 10 Custody ...................................................................................................... 10 Investment Discretion................................................................................. 10 Voting Client Securities .............................................................................. 10 Financial Information................................................................................... 10

Diversified. While no investment strategy can ensure a profit or protect

Item 4. Advisory Business

based on factors generally used by professional money managers and adapted to the needs of the individual investor.

Firm Information Morningstar Investment Management LLC (“Morningstar Investment Management”, “we”, “our” or “us”) is a Delaware limited liability company that was incorporated in 1999. Morningstar Investment Management is a wholly owned subsidiary of Morningstar, Inc. (“Morningstar”). Morningstar is a publicly traded company (Nasdaq Ticker: MORN) with Mr. Joseph Mansueto, Executive Chairman of Morningstar, holding more than 50% of

against a loss, diversifying your investments is a bedrock principle to help ensure the long-term safety of capital. Our proprietary approach diversifies you across asset classes, as well as investment sectors and styles.

Conservative. Our risk-based approach is designed to reduce the likelihood

of significant losses in volatile markets. The assumptions we make about portfolio returns in our projections emphasize disciplined saving and investing rather than outsized capital market returns.

Forward-Looking. Rather than relying only on historical data (which may not

have any relevance to future conditions), we incorporate forward-looking estimates for assumptions about investment returns and performance behavior.

Institutional-Quality. All components of Morningstar Retirement Manager are

Advisory Services We Offer

This brochure focuses on the services we provide to individual participants invested in employer-sponsored retirement plans through Morningstar® Retirement ManagerSM. You may obtain a copy of our brochure describing our products and services in our core capabilities of asset allocation, investment selection, and portfolio construction that we offer to institutions such as asset management firms, insurance companies, investment

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companies, investment fiduciaries, plan sponsors of retirement plans, plan providers of retirement plan services, and other business entities by following the instructions above.

Morningstar® Retirement ManagerSM

Morningstar Investment Management offers Morningstar® Retirement ManagerSM, a program designed to help retirement plan participants make better decisions about investing in their employer-sponsored retirement accounts. This service is intended for citizens or legal residents of the United States or its territories and is offered through a retirement plan’s sponsor. Plan sponsors can choose to offer their participants one service option or bundle them together. Morningstar Retirement Manager includes several service options consisting of Guidance, Advice, and Managed Accounts:

Guidance. Under our Guidance service, we provide information designed to

help you make your own investment choices regarding your retirement account assets. We will propose an investment strategy based on your personal and financial situation, using the information you and/or your plan sponsor provided to us. This strategy may include a retirement income goal, a recommended saving level and retirement age designed to help you meet that goal and recommend asset allocation targets. After creating your personal investment strategy, we provide asset allocation targets appropriate for your retirement plan account. Guidance is an educational, point-in-time service. Under the Guidance service we do not monitor, review or update our asset allocation targets or projections for you on an ongoing basis. However, you may return to the service at any time to receive updated asset allocation targets. The Guidance service does not monitor or review the actual investment decisions that you make.

Advice .Under our Advice service, we provide information designed to help

you make your own investment choices regarding your retirement account assets. Like the Guidance service, you’ll receive a personal investment strategy, which includes asset allocation targets appropriate for your plan account. However, we also recommend specific investments using the investment options available within your plan, as defined by your plan provider or plan sponsor. The Advice service provides a point-in-time recommendation; our advisory relationship with you ends once we provide you with our recommendations. Under the Advice service, we do not monitor, review or update our recommendations or projections for you on an ongoing basis. However, you may return to the Advice service at any time to receive new recommendations. The Advice service does not monitor or review the actual investment decisions that you make. Some plan providers may extend the Advice service to plan participants who are approaching or are in retirement. If your plan provider offers this service and you meet the retirement criteria established by your plan provider, your investment strategy may include a suggested amount that you can withdraw while striving to maintain income throughout retirement. It may also include information about allocating a portion of your account balance for the purchase of an annuity or other guaranteed income product.

Managed Accounts. Under our Managed Accounts service, you give us

responsibility for managing your employer-sponsored retirement account.

After creating your personal investment strategy, as described in the

Guidance section above, we’ll recommend and select specific investments

appropriate for your strategy for your plan account using the investment options available within your plan, as described in the Advice section above. We send transaction instructions to your plan provider or plan administrator to implement our recommended retirement strategy in your plan account. The Managed Accounts service includes ongoing investment management of your retirement account. The holdings in your plan account are typically reviewed on a quarterly basis. If necessary, we will send transaction instructions to your plan provider or plan administrator to rebalance or reallocate your account. Please Note: Your plan provider or plan administrator may not be able to process rebalancing transactions if any investment option in your plan account has any restriction (e.g., equity wash restriction) at the time the rebalancing transaction instruction is received by the plan provider or plan administrator. In addition, rebalancing transaction instructions may be rejected if any data validation error exists on your account. In these instances, we will work with your plan provider or plan administrator to resolve any issues and to rebalance your account as quickly as possible. In some cases, your account may not be rebalanced until the next quarterly review period when all restrictions have been lifted and/or data validation errors have been corrected. You will periodically receive progress reports reflecting your progress towards your retirement goals and other information in regard to your investments. Typically, these reports are available electronically through our website on a quarterly basis and are mailed in paper form to your address on record on an annual basis. You may terminate the Managed Accounts service at any time without penalty. Some plan providers may extend the Managed Accounts service to plan participants who are approaching or are in retirement. If your plan provider offers this service and you meet the retirement criteria established by your plan provider, your investment strategy may include a suggested amount that you can withdraw while striving to maintain income throughout retirement. It may also include information about allocating a portion of your account balance for the purchase of an annuity or other guaranteed income product. Personalized Strategy Report On an annual basis, plan participants eligible for but not currently enrolled in the Managed Accounts service may receive a Personalized Strategy Report. Using data provided by your plan sponsor or plan administrator, we outline a retirement strategy that may be appropriate for you. If your plan sponsor or plan administrator provides your salary and contribution rate information to us, your Personalized Strategy Report may also include an analysis of your retirement income outlook. If you wish to use the Managed Accounts service, this report provides you with instructions on how to enroll. Customized Services We provide advice based on the investment options (e.g. mutual funds, including money market funds and stable value funds, variable annuities, and/or exchange-traded funds) available in your plan, as defined by your plan provider or plan sponsor. Our selections are based on qualitative factors and quantitative analysis in addition to the judgment of our analysts. If you choose, you may ask us to exclude specific investment options from our Managed Accounts or Advice service recommendations. However, if your requested restrictions prevent us from building an adequately diversified

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portfolio, you will need to remove some restrictions or you may be prevented from using the Managed Accounts or Advice service. We believe that holding the stock of your employer greatly increases your portfolio risk, particularly in large concentrations. Prudent financial planning principles hold that any significant investment in a single stock creates a nondiversified situation in your portfolio with greater risk of investment losses. If your defined contribution plan includes your company’s stock as an investment option, and if you have a portion of your retirement account allocated to your company’s stock upon enrolling in the Managed Accounts or Advice service, we will recommend that you do not make additional investments in the company stock. Unless your company stock holdings are restricted due to a plan provision or a restriction imposed by your plan sponsor, at your direction we will decrease your allocation in your company’s stock down to zero, using the strategy outlined in your advisory agreement. You have the option to retain all or a portion of the company stock. If you choose to retain your investment in the company stock, we will not be responsible for that portion of your retirement plan account, although we take it into consideration when creating your investment strategy. Wrap Fee Programs We do not sponsor a wrap fee program, but we do provide portfolio management services to a wrap fee program offered by our subsidiary, Morningstar Investment Services LLC. Assets Under Management As of December 31, 2017, the discretionary assets under management for Morningstar Investment Management (rounded to the nearest $100,000) were: Retirement Services to Individuals: $11,420,800,000 Investment Management Services to Institutional Clients: $22,181,000,000 Total Asset Under Management: $33,601,800,000 The non-discretionary assets under advisement for Morningstar Investment Management (rounded to the nearest $100,000) were $130,366,300,000.

Item 5. Fees and Compensation

Fees and Compensation Our Morningstar® Retirement ManagerSM fees are generally negotiated by your plan provider or plan sponsor. The actual fees depend on a range of variables including the service used and plan asset amount. In some cases, your fees may be paid by your plan sponsor or plan provider. To view your specific fee schedule and method of paying those fees, you can access your account through our website or consult with your plan sponsor, recordkeeper, or service provider for more information or if you have questions. You may terminate your advisory relationship with us at any time without penalty. For our Managed Accounts service, your account will be charged a fee based on the assets in your retirement plan account that we manage. This fee is expressed in “basis points.” A basis point is equivalent to 0.01%; 100 basis points is equivalent to 1%. Our fee is generally less than 100 basis points of your account, and typically ranges from 20 to 50 basis points annually. For example, if your account balance is around $50,000, your annual fee would be less than $500. This fee is typically charged quarterly in arrears by applying the basis point rate to the average assets in your retirement plan account during the quarter. In some cases, your plan provider may charge an annual administrative user fee. Please check with your plan sponsor or plan provider for specific fee information for your plan.

We do not charge you a fee to use our Advice or Guidance services. However, in some cases, your plan provider may charge an annual administrative user fee. Please check with your plan sponsor or plan provider for specific fee information for your plan. Payment For our Managed Account service, your plan provider will debit our fee from your plan account and remit that fee to us. Other Costs in Connection with Our Advisory Services Our fees are separate from fees and expenses charged by the investment options or fees that may be charged by a third party, such as your plan provider or recordkeeper. The investment options’ fees and expenses are described in the prospectus or equivalent. These fees will generally include a management fee, other investment expenses, and possibly a distribution fee (e.g.12b-1). In some cases, an investment option may also charge an initial or deferred sales charge. Neither Morningstar Investment Management nor any of our employees receive transaction-based compensation for the investment recommendations we make. You may incur custodian, brokerage, and other transaction costs from third parties. Your plan provider or recordkeeper can provide you with specific fee information for your plan. You may have the option to purchase investment products we recommend or similar services through other investment advisers or financial professionals not affiliated with us. Fees Charged in Advance Our services may be terminated without penalty at any time as outlined in the contractual agreement between Morningstar Investment Management and you. Upon termination, any earned, unpaid fees by you are due and payable. If, in accordance with contractual terms, you terminate your contract prior to the end of the billing period we may refund any unearned fees on a pro rata basis after the termination of the contract. Compensation from Sales of Securities We do not expect, accept or receive compensation for the sales of securities, including asset-based sales charges or service fees from the sale of openend mutual funds. Revenue Sharing Arrangements We do not have any revenue sharing arrangements with any registered investment advisers or mutual funds.

Item 6. Performance Based Fees and Side-by-Side Management

We do not have performance-based fee arrangements (fees based on a share of capital gains or on capital appreciation of the assets in your account) with any qualified client pursuant to Rule 205-3 under the Advisers Act. Therefore, we do not manage any performance-based fee accounts side-byside with non-performance based fee accounts.

Item 7. Types of Clients

In addition to the retirement plan services for individuals described in this brochure, we also provide investment advisory services to institutional clients such as banking institutions, financial institutions, investment companies, pension or profit sharing plans, third-party advisory programs or other business entities (“Institutional Clients”). If you would like a copy of our

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brochure describing these services, please follow the instructions on page 1 of this brochure to access the SEC website or contact us. The Managed Account, Advice and Guidance services within Morningstar Retirement Manager are only available to individuals with retirement accounts, such as an account within a defined contribution plan or an IRA. We do not require a minimum account balance to use our services, and we generally do not impose any other conditions on your use of our services.

Item 8. Methods of Analysis, Investment Strategies, and Risk of Loss Investment Philosophy Morningstar Investment Management group’s investment philosophy is driven by the investment principles that are promoted throughout our organization. The principles are intended to guide our thinking, behavior and decision making. These principles have been inspired by a number of the most experienced and successful investors in the last century. These principles also reflect and align with the history and foundation of Morningstar and are described above in the Firm Information section. Global Investment Policy Committee The Investment Management group’s Global Investment Policy Committee and its regional governance bodies are responsible for oversight of the investment methodologies across all our products and services. Members of the Investment Policy Committee may include officers, chief investment officers, managing directors, or managers of Morningstar Investment Management or its affiliates. The regional governance bodies include regional investment policy committees, asset allocation committees, investment selection committees and portfolio construction (peer review) committees. Global best practice working groups also exist with the goal of sharing methodologies and research across regions. These groups focus on specific investment areas such as valuation models driven by our capital markets research and methodologies used for asset allocation, investment selection, portfolio construction for different investment strategies and advice. An investment team provides the investment advice used in the products and services referenced in this brochure. Information on key members of this investment team is included in the attached Brochure Supplement. Data While Morningstar Retirement Manager is a powerful program for evaluating your goals, the appropriateness of our advice is dependent on the personal information we receive from you, your employer, and your account administrator. While we strive to provide the most accurate and timely economic forecast and financial information, we depend on you to provide the most accurate assessment of your financial status and goals. We will collect relevant personal and financial data about you (and, if applicable, your spouse or partner) that may include your age, retirement income goal, state of residence, retirement account balance, projected or actual social security amount, any outstanding loans from your retirement plan, balances of any other investment accounts intended for retirement, expected pensions, and balances in company stock. This information is collected in order to personalize the advice you receive. In creating your strategy, the more information you provide to us, the more personalized the investment solution we are able to deliver. We collect information your plan provider is able to provide to us and ask you to provide any additional data that wasn’t available from your plan provider. Through our website or over the phone, you will be presented with an initial strategy as a

starting point. You can model many scenarios by changing your retirement age, desired retirement income, social security start age, and savings rate. We will update your retirement strategy in real time to reflect any change you make. We also encourage you to provide additional retirement account information such as assets you hold outside your retirement plan account or benefits for you or your spouse/partner in order to further personalize the recommendations. We do not provide advice or guidance on outside assets but will take those into consideration when determining the investment strategy for your retirement plan account assets. Analysis Methods We review available quantitative data to analyze and screen the investment options within a plan. For our Managed Accounts service, we also apply qualitative analysis by our investment professionals, such as evaluations of investment managers, portfolios and individual investments. We combine this information with other factors—including actuarial data, stock market exposure, probability analysis, and mean-variance optimization—into a proprietary software program to analyze a complex set of market data and variables. The result is an advanced model that can provide investment recommendations and a projection of different outcomes. Using this model, we develop an investment strategy tailored to your investment goals, as described below. We start with all of the available information we receive from your plan provider and/or you and then make assumptions about certain pieces of information. You have the ability to review and refine some of these assumed data points through our website or over the phone. These assumptions can have a significant impact on the strategies we create for you and are related to social security income, salary growth, inflation rates, retirement income goal, and risk capacity. We combine this information with other factors into a proprietary software program that can provide investment recommendations and a projection of different outcomes. Using this model, we develop an investment strategy tailored to your investment goals. We use a concept called human capital to determine your risk capacity. This helps us determine an appropriate target risk level for your retirement portfolio by considering your risk exposure in the retirement accounts you’ve told us about. Our human capital methodology accounts for your financial capital (total saved assets and tradeable assets such as stocks and bonds) as well as your human capital (future earnings and savings potential). Using this methodology, we assign a target risk level based on your total economic worth. Your strategy considers the following items when building a target equity allocation for your employer-sponsored retirement account, but they are restricted from our investment selection process: outside investment accounts you own, assets designated as “restricted” or “frozen” by your employer, assets you have chosen to retain in company stock, funds affiliated with Morningstar or its subsidiaries, or custom funds created specifically for your plan. If you are accumulating for retirement savings, our investment strategy is generally based on information such as your retirement account balance, expected retirement age, contribution rate and other preferences you may have. If you have already retired, and if your plan provider offers the InRetirement services described above, our strategy is based on information such as your current account balance, additional cash flows and life expectancy. This retirement strategy may include some or all of the following:

Retirement Income Goal (accumulation phase)

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We define your retirement income goal as the projected amount of money that you will need during retirement to live comfortably throughout retirement. We calculate this amount based on your current income, adjusted to reflect the estimated dollar value at your retirement age. Typically, we use an amount equal to 100% of your take-home pay (although some plan providers may request we use a different rate, e.g., 80% of your gross pay), and then project the value of that amount at your retirement age to determine your retirement income goal. You have the option to change this projected retirement income amount.

Income Outlook (accumulation phase)

We define the income outlook as a projection of the annual income that you may receive during retirement. We base this on an annualized view of the investment wealth you accumulate, combined with social security benefits and any pension or other income you might receive.

Total Retirement Income (in-retirement phase)

If your plan provider offers the In-Retirement services described above, we define your total retirement income as the projected amount of money, typically at some level of probability that you can expect to receive on an annual basis in order to maintain income throughout retirement.

IMPORTANT: When we determine the income projections described above, these projections are based on hypothetical performance data and do not represent actual or guaranteed results. Your projections may vary over time with each additional use of our service. We believe in a creating a customized long-term asset allocation based on your risk capacity. Changes in your financial situation, such as the addition of outside retirement accounts, pension benefits, or contribution rates, may result in a change to your asset allocation. In addition, changes to your personal situation, such as the addition of a spouse or partner or a different retirement age, could also impact your asset allocation. We encourage you to update the information you have on file with us in such events, so that we can update your asset allocation accordingly. If you use our Managed Account service, we will typically review portfolios on a quarterly basis to determine if market shifts require us to rebalance your account. On an annual basis, we will re-run our analysis of your future wealth forecast. If you use our Advice service, we encourage you to re-enter our website on a periodic or as-needed basis, in order to review your information and receive an updated strategy. At a minimum, we recommend that you receive an updated strategy on an annual basis. Key Assumptions Morningstar Investment Management makes assumptions about certain pieces of information that have a significant impact on the strategy we will create for you. In particular, these assumptions relate to inflation rates, retirement income goals, federal/state/capital gains/other taxes and your risk capacity, social security amounts (if you are not yet retired), and salary growth.

Social Security

We can incorporate Social Security for you and if applicable, your spouse/partner, using an estimate based on your current salary or a number you input from your Social Security statement. Social Security payments are inflated using a simulated cost-of-living allowance designed to replicate the actual Social Security Administration (â&#x20AC;&#x153;SSAâ&#x20AC;?) formulas and are applied at the maximum benefit age as defined by the SSA. We account for reduction in payments while working in retirement, increases in benefits for the spouse 50% rule and increased benefits for the surviving spouse 100% rule. The

program assumes you complete all applications required to collect the maximum benefit. We also take Social Security into consideration while analyzing income replacement. We default to the age at which you will receive full benefits from the SSA, but you can adjust the benefit amount and start age if desired, however, the start age must be between 62 and 70.

Salary Growth

To estimate future salary, we use a salary growth curve based on academic research rather than assuming a single, fixed growth rate. This curve takes into account the fact that salaries tend to grow most rapidly for young employees, peak around age 51, and then slightly decline later in life.

Retirement Age

We assume a default retirement age of 67, or your current age plus one year if you are older than 67. You have the option to change this to a different retirement age.

Estimated Tax

We estimate federal and state income, and capital gains taxes based on marginal tax rate calculations. Tax data is updated annually based on U.S. Internal Revenue Code (IRC) and similar state tax data. We use income data for you, as well as for your spouse/partner, if applicable, to estimate federal and state tax exposure. Tax exposure is appropriately reduced for pretax deferrals, tax-deferred capital gains, and yield and distribution of Roth proceeds. Based on the information we know about you, we provide an estimate of tax exposure, but may not include all tax considerations. Our recommendations are made without taking into consideration potential tax consequences and we do not provide tax advice. Potential tax consequences may exist. We encourage you to consult with a tax professional about these and other tax consequences.

Inflation Assumptions

When projecting the growth of various income sources and expenses, we use a variety of different inflation rates. These rates are reviewed and updated annually by our research team. Different inflation rates are used for different projections and major expenses. We believe that our multifaceted approach to calculating inflation results in more realistic and more accurate projections compared with using one set rate.

IRS Limitations and Application of Penalties

We incorporate all IRS contribution limits, eligibility requirements, and withdrawal penalties into the retirement strategies.

Brokerage Account

Some plans may allow participants to maintain a brokerage account within the plan. If your plan allows this option, you will be responsible for managing and monitoring those assets. We do not manage brokerage account assets; however, if you provide us with detailed information on the holdings within the brokerage account, our methodology will consider these holdings in developing an appropriate investment strategy for your other retirement plan account assets. If you do not provide detailed information, our methodology will assume that the balance in the brokerage account is 45% stocks and 55% fixed income. Risk of Loss and Strategy Risk We determine a risk strategy for you based on several factors, such as your current age and time until retirement, gender, salary, total current wealth, deferral rate, and retirement goals. If you have retired or are approaching retirement, and if you have the opportunity to purchase an annuity, the risk strategy also considers your longevity and liquidity needs. Your risk level

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corresponds to an asset mix, or the combination of stocks, bonds and cash, that will serve as the basis for our recommendations of specific funds appropriate for you. You should remember that investments in securities involve market risk, risk of loss, and other risks, and will not always be profitable. We do not guarantee that the intended objectives of our recommendations will result in achieving your retirement income goal. We cannot guarantee that negative returns can or will be avoided in any of our recommendations. We do not represent or guarantee that our investment recommendations can or will predict future results, will successfully identify market highs or lows, or will result in a profit or protect clients from loss. An investment’s future performance may differ substantially from its historical performance, which is no indication of future performance. A security’s investment return and an investor’s principal value will fluctuate so that, when redeemed, an investor’s shares may be worth more or less than their original cost. We are unable to predict or forecast market fluctuations or other uncertainties that may affect the value of any investment. Our investment strategy is intended to provide you with an investment portfolio that is diversified across various asset classes and appropriate based on your facts and circumstances. Asset allocation and diversification are investment strategies which spread assets across various investment types for long-term investing. However, as with all investment strategies, these strategies do not ensure a profit and do not guarantee against losses. Capital market assumptions are forecasts which involve known and unknown risks, uncertainties, and other factors which may cause the actual results to differ materially and/or substantially from any future results, performance, or achievements expressed or implied by those projections for any reason. Past performance does not guarantee future results. Income projections used in Morningstar Retirement Manager are based on hypothetical performance data and do not represent actual or guaranteed results. Projections may vary over time and with each use of our service. Information Sources Our global resources used in the formulation of our advisory services go down to our roots—the data and analysis from Morningstar, Inc. that form the base of our investment process. This expansive, in-house network of global data and investment analysis spans asset classes and regions to help drive timely new ideas. More than 300-plus analysts of Morningstar or its affiliates cover more than 500,000 investment options. The extensive data, analysis, and methodologies from these resources, along with external research reports, data, and interviews with investment managers are combined with financial publications, annual reports, prospectuses, press releases, and SEC filings to serve as the basis of our primary sources of information. For some of our services, we combine this information with other factors— including actuarial data, stock market exposure, probability analysis, and mean-variance optimization—into a proprietary software program to analyze a complex set of market data and variables that results in an advanced model that can provide investment recommendations and a projection of different outcomes. Security Type Risks

Mutual Funds

Investments in mutual funds involve risk, including loss of principal as a result of changing market and economic conditions and will not always be profitable.

Money Market Funds

A money market fund may impose a fee upon the sale of shares or may temporarily suspend your ability to sell shares if the fund’s liquidity falls below required minimum because of market conditions or other factors. An investment in a money-market vehicle is not insured or guaranteed by the Federal Deposit Insurance Corporation (“FDIC”) or any other government agency. For most money market funds, their sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. Although some money market funds seek to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. It is possible to lose money by investing in money market funds.

Stable Value Funds and Guaranteed Investment Contracts (“GICs”)

The interest rate on a stable value fund or GIC is typically only guaranteed for a certain amount of time and may vary with changing market conditions. Withdrawal fees or penalties, sometimes substantial, may be charged if you decided to move money out of a stable value fund or GIC. Stable value funds and GICs are less likely to provide long-term protection against inflation, as compared to other options.

Exchange-traded Funds

ETFs, like all investments, carry certain risks that may adversely affect their net asset value, market price, and/or performance. An ETF’s net asset value (NAV) will fluctuate in response to market activity. Because ETFs are traded throughout the day and the price is determined by market forces, the market price you pay for an ETF may be more or less than the NAV. Because ETFs are not actively managed, their value may be affected by a general decline in the U.S. market segments relating to their underlying indexes. Similarly, an imperfect match between an ETF’s holdings and those of its underlying index may cause its performance to not match the performance of its underlying index. Like other concentrated investments, an ETF with concentrated holdings may be more vulnerable to specific economic, political, or regulatory events than an ETF that mirrors the general U.S. market.

Annuities

An annuity is a tax-deferred investment structured to convert a sum of money into a series of payments over time. Annuity contracts have limitations and are not viewed as short-term liquid investments. An insurance company’s fulfillment of a commitment to pay a death or living benefit, a schedule of payments, a fixed investment amount guaranteed by the insurance company, or another form of guarantee depends on the claims-paying ability of the issuing insurance company. Any such guarantee does not affect or apply to the investment return or principal value of the separate account and its subaccount. Annuities often have surrender charges, which can be substantial, in the event you need to withdraw your investment early. Annuities can be complicated and an investor should carefully read the insurance company’s offering material to understand how a specific annuity’s return will be determined. Variable Annuities have a rate of return that varies with underlying investment options in the market, and do not include a guarantee from the insurance company that you will earn a return. Variable annuities typically have high fees and expenses, sales charges, surrender charges, and early withdrawal penalties. Methodology Updates Our capital market assumptions, asset allocation, and advice methodology committees all meet monthly. These committees have oversight for their respective areas of expertise. If any of these committees makes an adjustment, the changes are thoroughly reviewed and tested before being

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implemented. These changes are manifested in participant portfolios through expected future returns, and asset allocations. Capital market assumptions are updated on an annual basis. We also update our methodologies with updated tax limits on an annual basis. Asset allocation and advice methodologies are updated when there is a regulatory change that requires an update or when research we have completed warrants enhancing our asset allocation process or advice methodology.

Item 9. Disciplinary Information

We are required to disclose all material facts regarding any legal or disciplinary events that would influence a potential client to engage us. We do not have any material legal or disciplinary events to disclose.

Item 10. Other Financial Industry Activities and Affiliations Morningstar Investment Management is a wholly-owned subsidiary of Morningstar. Our offerings center around advisory services in our core capabilities of asset allocation, investment selection, and portfolio construction that we offer to individual investors (advice and managed accounts services to retirement plan participants) and institutions (including the services described in this brochure.)

Our portfolio managers and their team members who are responsible for the day-to-day management of our portfolios are paid a base salary plus a discretionary bonus. The discretionary bonus is based in part on the investment performance of select portfolios over three-, five-, and, in some cases, seven-year time periods, and in part on Morningstar’s overall annual revenue and profitability and the individual’s contribution to the business unit. Benchmarks are used as a measure of investment performance and are chosen by senior personnel and approved by the Global Investment Policy Committee’s Regional Investment Policy Committee. To mitigate the conflict of interest that could arise from partially basing an employee’s bonus on performance of a select portfolio or portfolios, all investment decisions made within a portfolio must be peer reviewed by a regional governance body within the Regional Investment Policy Committee, which includes asset allocation committees, manager selection committees, and portfolio construction (peer review) committees. For many of our advisory services, the universe of investment options from which we make our investment selections is defined by our Institutional Client. In some cases, this universe of investment options may include proprietary investment options of the Institutional Client. To mitigate any actual or potential conflict of interests presented by this situation, we subject all investment options to the same quantitative and qualitative investment selection methodology, based on several factors, including performance, risk, and expense so that the proprietary nature of an investment option does not influence our selection. We may provide consulting or advisory services to Institutional Clients that offer registered or pooled investment products, such as mutual funds, variable annuities, collective investment trusts, or model portfolios. To mitigate the conflict of interest presented by our role in these investment products, we exclude such investment products from the universe of investment options from which we make our recommendations to other clients. We receive compensation for our research and analysis activities (e.g., research papers) from a variety of financial institutions including large banks, brokerage firms, insurance companies, and mutual fund companies. In order to mitigate any actual or potential conflicts of interest that may arise from this service, we ensure that our research and analytical activities are non-

biased and objective given our business relationships. Employees who provide research and analysis for clients are separate from our sales and relationship manager staff in order to mitigate the conflict of interest that an employee may feel pressure to present results in such a way as to maintain existing or gain new business. In addition, as noted above, all investment decisions must be peer reviewed by a regional governance body within the Regional Investment Policy Committee, which mitigates the conflict of interest by providing checks and balances so that no employee can act unilaterally in making recommendation decisions. Our investment professionals provide portfolio construction and ongoing monitoring and maintenance for the portfolios within Morningstar Investment Services’ Morningstar® Managed PortfoliosSM program on Morningstar Investment Services’ behalf. While the same or similar portfolios are offered by us to our Institutional Clients under the Morningstar Managed Portfolios program, we do not believe these responsibilities create any material conflicts of interest for our clients. In order to mitigate any perceived conflict of interest, when we offer discretionary services under the Morningstar Managed Portfolios program, transactions for our clients are placed at the same time as transactions for Morningstar Investment Services’ discretionary clients as part of block trades. We have procedures in place to ensure that trades are allocated in such a manner as to not favor one client over another. When we offer non-discretionary services under the Morningstar Managed Portfolios program, our Institutional Clients receive trade recommendations just after trades are placed for discretionary clients, due to our heightened fiduciary responsibilities to our discretionary clients. In addition, all non-discretionary clients are notified of transaction recommendations after the close of the trading day, so that no one such client has an advantage over another. When we, along with Morningstar and/or our other affiliates offer services to the same client, we may enter into a bundled agreement with the client that encompasses all or part of those services. Additional fee(s) for such product(s) or service(s), if required, will be set forth in our agreement with the client. In these situations, clients may pay a fee directly to us and each such affiliate for its products or services, or as part of a joint fee schedule which encompasses all services.

Affiliations – Investment Management Group Registered Entities

Morningstar has an Investment Management group that consists of various subsidiaries across the globe that are each registered with and governed by the applicable regulatory body or bodies in that country. We are part of this group and share resources, as described earlier in this brochure. One member of this group, Morningstar Investment Services LLC, is our subsidiary and is also an investment adviser registered under the Advisers Act. Morningstar Investment Services is additionally registered with the Securities and Exchange Commissions as a broker-dealer and a member of the Financial Industry Regulatory Authority (FINRA). Morningstar Investment Services’ offerings include discretionary managed portfolios and model manager services under the Morningstar Managed Portfolios brand name, plan sponsor services, and retirement plan services for institutional and retail clients. In some cases, our senior management members have management responsibilities to these other affiliated entities. We do not believe that these management responsibilities create any material conflicts of interests for our clients. The Investment Management group has set up a shared services team, composed of employees of our affiliate and located at our affiliate’s office in

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Mumbai, India. We compensate our affiliate for services rendered via an intercompany charge. The services and compensation will be governed by an intercompany agreement. This compensation will likely be lower than compensation negotiated with non-affiliated firms for the same or similar services. To mitigate any conflict of interest between us and our affiliate we have established dual reporting lines for employees on the shared services team so that such employees report up to our Director of Operations. We’ve also established information security boundaries and technology separation to protect our non-public information and Morningstar’s compliance department monitors the personal trading activity of these employees.

Affiliations – Other Registered Entities

Morningstar Research Services LLC is not part of the Investment Management group but is also a wholly-owned subsidiary of Morningstar and an investment adviser registered under the Advisers Act. Morningstar Research Services’ offerings center around the production of investment research reports and investment consulting services to financial institutions/institutional investors who themselves are registered with and governed by a regulatory body. Conflicts of interests between us and Morningstar Research Services are mitigated by such things as the maintenance of separate legal entities and reporting/organization lines, and the utilization of physical (i.e. separate floors) and technological separation. Morningstar Research Services also maintains a committee structure so as to limit any unilateral decisions. Morningstar’s compliance department monitors the personal trading activities of Morningstar Research Services’ employees. We may engage Morningstar Research Services to perform investment manager due diligence and/or fund selection services on our behalf as a subadviser. The notification to and authorization by the Institutional Client to our engaging Morningstar Research Services is addressed in our agreement with the Institutional Client. On such occasions, we compensate Morningstar Research Services for services rendered via an intercompany charge. The services and compensation will be governed by an intercompany agreement. This compensation will likely be lower than compensation negotiated with non-affiliated financial institutions/institutional investors for same or similar services. Morningstar Research Services’ employees who are engaged to provide manager due diligence and/or fund selection service are prohibited from using non-public/confidential information obtained because of their engagement in its investment research reports and/or investment consulting services to clients, including us. Morningstar Research Services provides information to the public about various securities, including open-end mutual funds and ETFs, which may include written analyses of these investment products. Although we use certain products, services, or databases that contain this information, we do not participate in or have any input in the written analyses that Morningstar Research Services produces. While we consider the analyses of Morningstar Research Services, our investment recommendations are typically based on our separate and independent research and analysis of the available investment product. Morningstar Research Services may issue investment research reports on securities we may hold in our portfolios or recommend to our clients, but they do not share any yet-to-be published views and analysis and/or changes in estimates (i.e., their confidential information) with us on these securities. Other than the use of their publicly available analysis as part of our review process, we do not solicit the input of Morningstar Research Services prior to making investment decisions or recommendations (unless we engage them as a sub-adviser as noted under the 2nd paragraph of the Affiliations –

Other Registered Entities section), nor do we have access to their analysis

prior to its public dissemination. We mitigate any actual or potential conflicts of interest that could arise from the access of their analysis prior to publication through measures such as informational barriers (both physical and technological), maintaining separate organizational reporting lines, and monitoring by the compliance department. Some of Morningstar Research Services’ clients may be sponsors of funds or associated with other securities that we may recommend to our clients. We mitigate any actual or potential conflicts of interests resulting from this fact through such measures as informational barriers (both physical and technological), maintaining separate organizational reporting lines, and monitoring by the compliance department. In addition, we do not factor in the relationship between Morningstar Research Services when analyzing investments or making recommendations. Morningstar Investment Management serves as an investment adviser to investment companies registered under the Investment Company Act of 1940, as amended, and to other pooled investment products. To mitigate conflicts of interest, Morningstar Research Services does not prepare qualitative analysis on nor recommend as part of their investment consulting services any investment company we are an investment adviser to.

Affiliations – Morningstar, Inc.

Our parent company, Morningstar, Inc., is publicly traded (Ticker Symbol: MORN). We may recommend an investment product that holds a position in publicly-traded shares of Morningstar’s stock. Such an investment in Morningstar’s stock is solely the decision of the investment product’s portfolio manager. We have no input into a portfolio manager’s investment decision nor do we require that the investment products we recommend own shares of Morningstar. An investment product’s position in Morningstar has no direct bearing on our investment selection process. We mitigate any actual or potential conflicts of interest by not factoring Morningstar’s publicly traded stock into our qualitative or quantitative analysis nor in our recommendations. Morningstar offers various products and services to the public. Some of Morningstar’s clients are service providers (e.g., portfolio managers, advisers, or distributors affiliated with a mutual fund or other investment option). We may have a contractual relationship to provide consulting or advisory services to these same service providers or we may recommend the products of these service providers to our advisory clients. To mitigate any actual or potential conflicts of interest, we do not consider the relationship between Morningstar and these service providers when making recommendations. We are not paid to recommend one investment option over another, including products of service providers with which Morningstar has a relationship. Morningstar provides information to the public about various investment products, including open-end mutual funds and ETFs. In some cases, this information includes written analyses of these investment products. Although we may use certain products, services, or databases of Morningstar, we do not participate in or have any input in the written analyses that Morningstar provides its licensees. While we consider the analyses of Morningstar, our investment recommendations are typically based on our separate and independent research and analysis of the available investment product. Morningstar offers various products and services to retail and institutional investors. In certain situations, we may recommend an investment product

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that tracks an index created and maintained by Morningstar. In such cases, the investment product sponsor has entered into a licensing agreement with Morningstar to use such index. To mitigate any conflicts of interest arising from our selection of such investment products, we may use solely quantitative criteria established by our advisory client to make such selection, or, in the alternative, Morningstar’s compensation from the investment product sponsor will not be based on nor will it include assets that are a result of our recommendation to our advisory client to invest in those investment products. In other cases, some of Morningstar’s clients may be sponsors of funds that we may recommend to our clients. Morningstar does not and will not have any input into our investment decisions, including what investment products will be recommended for our recommended portfolios. We mitigate any actual or potential conflicts of interest by imposing informational barriers (both physical and technological), maintaining separate organizational reporting lines, and monitoring by the compliance department. In addition, we do not factor in the relationship between Morningstar when analyzing investments or making recommendations. We mitigate any actual or potential conflicts of interests resulting from that by not producing qualitative analysis on any such exchange-traded fund as well as imposing informational barriers (both physical and technological), maintaining separate organizational reporting lines between, and monitoring by the compliance department. Morningstar has and maintains accounts which they invest in accordance with investment strategies created and maintained by us. Those investment strategies are deployed using equity securities. As we have discretion over these accounts, Morningstar’s accounts are traded at the same time as our and Morningstar Investment Services’ other discretionary client accounts in order to ensure that Morningstar’s accounts are not treated more favorably than our client accounts. Some of Morningstar’s accounts are used as the subject of newsletters offered by Morningstar. In order to ensure that Morningstar’s newsletter subscribers are not treated more favorably than our clients, which would result in a breach of our fiduciary duty, we do not report trades in Morningstar’s accounts invested in our strategies to newsletter subscribers until after our client accounts have been traded or our nondiscretionary clients have been notified. As a wholly-owned subsidiary, we use the resources, infrastructure, and employees of Morningstar and its affiliates to provide certain support services in such areas as technology, procurement, human resources, account, legal, compliance, information security, and marketing. We do not believe this arrangement presents a conflict of interests to us in terms of our advisory services. Employees of Morningstar that provide support services to us may maintain their Financial Industry Regulatory Authority (“FINRA”) security licenses under Morningstar Investment Services’ limited broker/dealer registration, if appropriate for their current job responsibilities. Morningstar Investment Services utilizes its broker/dealer registration solely for the receipt of 12b-1 fees, therefore, we believe no conflict of interest exists due to the maintenance of these security licenses. We may make our clients aware of various products and services offered by Morningstar or its affiliates. We do not receive compensation for that introduction. Morningstar and its affiliates, in turn, may make their clients aware of various products and services offered by us. Morningstar and its affiliates do not receive any compensation from us for that introduction.

Affiliations – Morningstar, Inc.’s Subsidiaries

Equity and manager research analysts based outside the United States are employed by various wholly-owned subsidiaries of Morningstar. These analysts follow the same investment methodologies and process as

Morningstar Research Services, as well as being held to the same conduct standards. As a result, we do not believe this structure causes actual or a potential for a conflict of interest.

Affiliations – Credit Rating Agency

One of Morningstar’s subsidiaries, Morningstar Credit Ratings LLC, is a credit rating agency registered with the Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO). In our analysis of certain securities, we may use the publicly available credit rating and analysis issued by Morningstar Credit Ratings. Because of our use of Morningstar Credit Ratings’ ratings and analysis is limited to that which is publicly available, we do not believe there is an actual or potential conflict of interest that arises from such use.

Item 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics We have in place a Code of Ethics pursuant to Rule 204A-1 under the Advisers Act (“Code of Ethics”). Our Code of Ethics strives to uphold the highest standards of moral and ethical conduct, including placing our clients’ interest ahead of our own. Our Code of Ethics covers all our officers and employees as well as other persons who have access to our non-public information (collectively “Access Persons”). Our Code of Ethics addresses such topics as professional and ethical responsibilities, compliance with securities laws, our fiduciary duty, and personal trading practices. Our Code of Ethics also addresses receipt and/or permissible use of material non-public information and other confidential information our Access Persons may be exposed and/or have access to given their position. The Code of Ethics is provided upon hire and at least annually thereafter and at each time, the Access Person must certify in writing that she or he has received, read, and understands the Code of Ethics and that they agree to or have complied with its contents. A copy of our Code of Ethics is available to existing and prospective clients by sending written request to compliancemail@morningstar.com. Interest in Client Transactions Our Access Persons may maintain personal investment accounts and may purchase or sell investments in those accounts that are the same as or different from the investments we recommend to clients. Because we generally recommend mutual funds and ETFs, our Access Persons’ personal investing activities should not conflict with our advisory activities or the timing of our recommendations. In addition, our Code of Ethics is designed to ensure that Access Persons’ personal trading activities will not interfere with our clients’ interests, while allowing our Access Persons to invest in their own accounts. We do not engage in principal transactions (transactions where we, acting in our own account or in an affiliated account, buy a security from or sell a security to a client’s account) nor do we engage in agency cross transactions (transactions where we or our affiliate executes a transaction while acting as a broker for both our client and the other party in the transaction). Interest in Securities That We May Recommend Morningstar Investment Management has and maintains a number of seed accounts (accounts used to establish a strategy we may wish to offer), many of which follow strategies we offer to clients. We place block trades for our accounts, therefore trade requests for our seed accounts are placed at the same time as trades are placed for those client accounts invested in the same strategy and for which we have discretion. Block trades are allocated in such a manner as to ensure that our seed accounts do not receive more

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favorable trades than our clients’ accounts. Client accounts that we manage on a discretionary basis and thus, our seed accounts, are traded just before we provide model portfolio trade recommendations to other clients using our U.S. managed portfolios. However, our model portfolio clients receive trade recommendation after the close of the trading day, so that no one model portfolio client is favored over another.

4 above. If such payments occur, they will be done pursuant to Rule 206(4)3(a)(2)(ii) of the Advisers Act. Clients referred by third party solicitors may in some cases pay a higher fee than clients who contract with us directly. Solicited Clients referred by a third-party solicitor should refer to the disclosure document for information on the effect of the fees paid to thirdparty solicitors.

Personal Trading By Access Persons Our Code of Ethics is designed to ensure that Access Persons’ personal trading activities do not interfere with our clients’ interests. While our Access Persons may maintain personal investment accounts, they are subject to certain restrictions. Our Code of Ethics includes policies designed to prevent Access Persons from trading based on material non-public information. Access Persons in possession of material non-public information may not trade in securities which are the subject of such information and may not tip such information to others. In certain instances, we employ information blocking devices such as restricted lists to prevent illegal insider trading. Morningstar’s compliance department monitors the activities in the personal accounts of our Access Persons (and any accounts in which they have beneficial ownership) upon hire and thereafter. Access Persons are required to pre-clear IPO and private placement transactions with Morningstar’s compliance department.

Item 15. Custody

Item 12. Brokerage Practices

Where we exercise investment discretion, we will generate trade instructions for each portfolio that requires investment, reallocation, or rebalancing and forward those instructions to the appropriate institution as designated by the plan provider. As a result, we do not have the ability to make decisions regarding which broker is used to execute the transactions. We do not participate in any soft dollar practices.

Item 13. Review of Accounts

Retirement accounts enrolled the Managed Accounts service are typically rebalanced to your account’s asset allocation target or reallocated on a quarterly basis as necessary and receive quantitative and/or qualitative reviews performed by our investment team on an annual or as-needed basis to account for changes in your age and any other significant personal or financial changes to your situation that you have informed us about. You are responsible for notifying us of changes in your personal and financial information, investment objectives, and investment restrictions so that we can make the necessary adjustments to your investment strategy. Periodically, you will receive a written progress report with information about your account, either in an electronic format (e.g., by email or through Internet account access) or by U.S. mail to your address of record. This progress report may include such things as your progress toward your retirement goal, investment performance information, and an analysis of your retirement account. We do not provide ongoing account reviews as part of our Advice and Guidance services. You should review your retirement plan and retirement account asset allocation recommendations on a regular basis. You may use Morningstar Retirement Manager at any time to update your personal information and review your retirement plan strategy, which may have changed as the result of the updated information. We do not prepare periodic reports as part of the Advice or Guidance services.

We do not serve as a custodian of client assets. However, in cases where we have the ability to debit fees directly from client accounts, we may be deemed to have custody of client assets under Rule 206(4)-2 of the Advisers Act, even if we do not act as a custodian. Your plan provider or its designee is responsible for selecting the custodian for your plan assets and you should receive statements from the qualified custodian that holds your assets at least quarterly. You should carefully review such statements and compare them to the written progress reports we provide to you. Our progress reports may vary from custodial statements because of differences in accounting procedures (e.g., trade-date versus settlement-date accounting) or reporting dates. If you note any discrepancies on your account statements, please promptly contact your plan administrator.

Item 16. Investment Discretion

When you accept the advisory agreement for our Managed Accounts service, you assign to us full discretion to manage the investments of your retirement account on your behalf and to monitor it on an ongoing basis. Based on information provided by you, we provide you with an individualized asset allocation strategy and select investment options appropriate for that strategy based on the options available in your account. As described above, you have the right to impose reasonable restrictions on your retirement account. We will exercise our discretion in managing your account consistent with your individualized strategy and within the account restrictions, if any. If you elect our Advice or Guidance service, you retain the investment discretion and control of your retirement account. We provide you with information designed to help you make investment choices regarding your retirement account assets, but you are responsible for managing the investments in your account. We do not monitor, review or update our recommendations or projections on an ongoing basis.

Item 17. Voting Client Securities

You are responsible for receiving and voting proxies for all investments held in your account. You may receive proxies or other solicitations directly from your plan account’s custodian. We do not have the authority to and will not vote proxies. We cannot provide information or advice in regard to questions you have about a particular solicitation.

Item 18. Financial Information

We are required to provide you with certain financial information or disclosures about our financial condition. We do not have any financial commitment that impairs our ability to meet our contractual and fiduciary commitments to clients, nor have we been the subject of any bankruptcy proceeding.

Item 14. Client Referrals and Other Compensation

We may make direct or indirect cash payments to our affiliates or to unaffiliated third parties for recommending our services as described in Item

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Morningstar Investment Management LLC Form ADV Part 2B: Brochure Supplement

Retirement Plan Services for Individuals constructing and rebalancing the managed accounts portfolios. Born in 1980, John has a bachelor’s degree from Purdue University and is a CFA* charterholder. John does not have any disciplinary information, other business activities or additional compensation to disclose.

22 West Washington Street, Chicago, IL 60602 Phone: 312.696.6000 www.corporate.morningstar.com March 27, 2018 This Brochure Supplement provides information about key members of the investment team for Morningstar Investment Management LLC’s retirement plan services for individuals. This Brochure Supplement provides information on the members of the investment team with the most significant responsibility for day-to-day investment advice for retirement plan participant services and is not a complete list of all the members of the investment advisory team. Please contact the Compliance Department at 312.696.6000 or compliancemail@morningstar.com if you did not receive a copy of our Firm Brochure, if you have questions about the content of this Brochure Supplement, or if you would like information about other members of our investment team. In your request, please indicate the name of the company (Morningstar Investment Management) and the type of service (Retirement Plan Services for Individuals.) Thomas Idzorek, CFA

Educational Background and Business Experience: Tom is the chief investment

officer for Morningstar Investment Management’s retirement business. He currently serves as a member of Morningstar, Inc.’s 401(k) committee and Research Council, the board of directors for Morningstar Investment Management Europe, Morningstar Investment Management’s Global Investment Policy Committee, and on the editorial boards of Morningstar magazine and the CFA Institute Financial Analysts Journal (FAJ). From 2012 to 2015, Tom served as president of Morningstar’s Investment Management group. Additionally, he has served as president of Ibbotson Associates, president of Morningstar Associates, board member/responsible officer for a number of the Investment Management group’s subsidiaries, global chief investment officer for the Investment Management group, chief investment officer & director of research and product development for Ibbotson, and head of investment methodology and economic research for Morningstar, Inc. Before joining Ibbotson Associates (which Morningstar, Inc. acquired in 2006), Tom was a senior quantitative researcher for Zephyr Associates. Born in 1970, Tom holds a bachelor’s degree from Arizona State University and a master’s degree in business administration from Thunderbird School of Global Management. He also is a CFA* charterholder. Tom does not have any disciplinary information, other business activities or additional compensation to disclose. Heather Young

Educational Background and Business Experience:

Heather is head of automated portfolio solutions for Morningstar Investment Management. She is responsible for managing the team of analysts and portfolio managers who construct and rebalance the managed accounts portfolios. Heather currently serves as a member of Morningstar Investment Management’s Advice Committee and Research Council. Prior to her current role, she has served as a team manager and national sales director for Ibbotson Associates, Inc. (which was merged into Morningstar Investment Management in 2016), where she started in 1998, and as a product development manager for Morningstar’s Institutional-level research platform, Morningstar Directsm. Born in 1975, Heather has a bachelor’s degree from Indiana University. Heather does not have any disciplinary information, other business activities or additional compensation to disclose. John Shelbourne, CFA Educational Background and Business Experience: John is a senior investment analyst. He joined Morningstar, Inc. in 2006 and served as a data analyst, product manager, and senior client relationship manager before joining Morningstar Investment Management in 2014. John is responsible for

Jason Wagner, CFA

Educational Background and Business Experience: Jason is a Senior Investment Analyst for Morningstar Investment Management. He is responsible for portfolio construction and review for plan providers and plan sponsors as part of Morningstar® Retirement ManagerSM. Prior to joining Morningstar Investment Management in 2016, he was an associate at Citadel Securities. Previously, he was Director of Trading and Operations at Timpani Capital Management, LLC. Born in 1979, Jason has a bachelor’s degree in Finance from DePaul University and is a CFA* charterholder. Jason does not have any disciplinary information, other business activities or additional compensation to disclose. Michael Sawula, CFA

Educational Background and Business Experience: Michael is an investment

analyst for Morningstar Investment Management. He joined Morningstar, Inc. in 2012 and served as a product consultant, data analyst and operations analyst prior to joining Morningstar Investment Management in 2014. Michael is for responsible for constructing and rebalancing the managed accounts portfolios. Born in 1990, Michael has a bachelor’s degree from Grinnell College and is currently pursuing both a master’s degree in business administration and a master of science in computer science from the University of Chicago. He is also a CFA* charterholder. Michael does not have any disciplinary information, other business activities or additional compensation to disclose. Investment Team Supervision – Daniel Needham, CFA Daniel is president and global chief investment officer for the Investment Management group at Morningstar, Inc., which includes Morningstar Investment Management. Before adding the role of president in 2015, Daniel was global chief investment officer for the Investment Management group. In 2013 his role expanded to include responsibility for Morningstar’s investment management operations in Europe. Prior to 2013, Daniel was chief investment officer and managing director for Investment Management in AsiaPacific. Daniel joined Morningstar in 2009 through the company’s acquisition of Intech Pty Ltd, where he served as chief investment officer. He also held other investment roles including analyst, portfolio manager, and head of multistrategy. Before joining Intech in 2002, Needham worked for Zurich Financial Services in Sydney. Daniel oversees the United States investment team, including setting the strategic direction and goals for the team. The activities of the investment team are guided by the Americas Investment Policy Committee of the Global Investment Policy Committee, which Daniel chairs. The Global Investment Policy Committee and its working sub-committees and investment teams are responsible for oversight of the investment methodologies. The sub-committees and investment teams focus on specific investment capabilities such as valuation models and asset allocation, manager selection, portfolio construction and portfolio risk analytics. Daniel holds a bachelor’s degree in commerce from the University of Sydney, where he majored in finance and economics. He also is a CFA* charterholder.

*The Chartered Financial Analyst (CFA) designation is an international professional certification offered by the CFA Institute. To become a CFA charterholder, candidates must pass three six-hour exams, possess a bachelor's degree, and have 48 months of qualified, professional work experience. CFA charterholders are also obligated to adhere to a strict Code of Ethics and Standards governing their professional conduct. The CFA is a qualification for finance and investment professionals, particularly in the fields of investment

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management and financial analysis of stocks, bonds and their derivative assets. The program focuses on portfolio management and financial analysis, and provides a general knowledge of other finance areas.

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Voya Retirement Choice Voya Retirement Choice II with Voya Fixed Plus III 403(b)/401(a)/401(k)/457(b)

Information Booklet 3042094.B.P (1/18)

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INFORMATION BOOKLET SUPPLEMENT – VOYA FIXED PLUS ACCOUNT III A This supplement adds information about the Voya Fixed Plus Account III A, a new credited interest investment option that may be available under the group annuity contract, funding agreement or retirement program (collectively referred to hereinafter as the “Contract”) provided by Voya Retirement Insurance and Annuity Company (the “Company”) to an employer’s qualified retirement plan (the “Plan”). Please read this supplement carefully in conjunction with the Information Booklet as many of the provisions in the Information Booklet also apply to the Voya Fixed Plus Account III A. Credited Interest Investment Options In addition to the mutual funds or variable investment options, the Contract may offer different credited interest investment options. For plans offering the Voya Fixed Plus Account III A, the previously available credited interest investment option supported by VRIAC’s general account is closed to new allocations and contributions. The previously available credited interest investment option supported by VRIAC’s general account is referred to hereinafter as the “closed Fixed Account.” For Plans offering the Voya Fixed Plus Account III A, all allocations and contributions that were directed to the closed Fixed Account will be automatically re-directed to the Voya Fixed Plus Account III A. All interest rate guarantees provided under the credited interest investment options available through the Contract are subject to the claims paying ability of the Company. The Company’s claims paying ability should be taken into consideration in evaluating interest rate guarantees. Voya Fixed Plus Account III A The Voya Fixed Plus Account III A is a credited interest investment option that is an obligation of VRIAC’s general account, which supports all of the Company’s insurance and annuity commitments. The rate credited to the Plan is determined by VRIAC subject to minimum rate guarantees in the Contract. Under the Voya Fixed Plus Account III A option, the Company assumes the risk of investment gain or loss by guaranteeing the amounts allocated to this option and promising a minimum interest rate. Interest Rates – The Voya Fixed Plus Account III A provides stability of principal and credits interest on all amounts allocated to this option. For Voya Fixed Plus Account III A the Company guarantees for the life of the Contract that interest will be credited at an annual effective yield that is at least equal to the Guaranteed Minimum Interest Rate (the “GMIR”), which is set forth in the Contract. Additionally, the Company in its discretion may credit interest at a “current credited interest rate” that may be higher than the GMIR, and the current credited interest rate may be changed at any time. Notwithstanding, any rate change initiated solely by VRIAC will be will be guaranteed to remain in effect until the last day of the three-month period measured from the first day of the month in which such change was made. The current credited interest rate for a Plan’s initial investment in the Voya Fixed Plus Account III A may be in effect for less than a full three-month period. The GMIR and the current credited interest rate are each expressed as an annual effective yield. Interest is credited on a daily basis. Once credited, the interest becomes a part of the principal. Taking the effect of compounding into account, the interest credited daily yields the current credited interest rate. The Voya Fixed Plus Account III A current credited interest rate may be reduced if the Plan allows participants access to investment options not provided under the Contract (split-funded Plans) or permits in-service withdrawals prior to age 59½. Transfers – Except as otherwise set forth herein, transfers to or from the Voya Fixed Plus Account III A are permitted to the same extent that transfers to or from the closed Fixed Account were permitted prior to the time when the Voya Fixed Plus Account III A became an available credited interest investment option under the Contract. Transfers are no longer permitted to the closed Fixed Account. Any reference to transfers to the closed Fixed Account shall mean transfers to the Voya Fixed Plus Account III A. Any limitations or restrictions imposed on transfers to the closed Fixed Account prior to the time when the Voya Fixed Plus Account III A became an available credited interest investment option under the Contract shall apply to the Voya Fixed Plus Account III A. The Company has the right, however, to impose different restrictions or waive any such restrictions altogether on the Voya Fixed Plus Account III A.

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Any surrender and transfer limit restrictions imposed on the closed Fixed Account shall apply to the Voya Fixed Plus Account III A as well. The Company has the right, however, to impose different restrictions or waive any such restrictions altogether on either the closed Fixed Account, the Voya Fixed Plus Account III A, or both. If the Equity Wash Option is in effect, the terms of the Equity Wash Option provision apply to the Voya Fixed Plus Account III A to the same extent they apply to the closed Fixed Account. The Company has the right, however, to impose different restrictions or waive any such restrictions altogether on the closed Fixed Account. Unless the Company agrees otherwise, any request for transfers from credited interest investment options supported by the Company’s general account will be transferred first from the closed Fixed Account until no amounts remain in the closed Fixed Account, and then from the Voya Fixed Plus Account III A. Notwithstanding anything else herein to the contrary, transfers from the closed Fixed Account to the Voya Fixed Plus Account III A are allowed at any time without restriction. Fees and Charges – Account Maintenance Fees, Transferred Asset Benefit (“TAB”) Recovery Charges, and all other fees and charges, as applicable, apply to the Voya Fixed Plus Account III A to the same extent they apply to the closed Fixed Account. Withdrawals – Except as otherwise provided herein, benefit payments, withdrawals, Surrenders, partial Surrenders, and any loans from the Voya Fixed Plus Account III A are permitted to the same extent they were permitted from the closed Fixed Account prior to the time when the Voya Fixed Plus Account III A became an available credited interest investment option under the Contract. Benefit payments, withdrawals, Surrenders, partial Surrenders, and any loans shall continue to be taken on a pro rata basis. Any request, however, for benefit payments, withdrawals, Surrenders, partial Surrenders, transfers, or any loans from credited interest investment options supported by VRIAC’s general account, regardless of whether to be withdrawn on a pro rata basis or as otherwise specified, shall be withdrawn first from the closed Fixed Account until no amounts remain in the closed Fixed Account, and then from the Voya Fixed Plus Account III A. Reinstatement - To the extent reinstatement is permitted under the terms of the Contract, amounts that would have been reinvested in the closed Fixed Account prior to the time when the Voya Fixed Plus Account III A became an available credited interest investment option under the Contract may instead be reinvested in the Voya Fixed Plus Account III A. Reinstatement is permitted only once.

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INFORMATION BOOKLET

3042094.B.P (1/18)

Voya Retirement Choice Voya Retirement Choice II With Voya Fixed Plus III 403(b)/401(a)/401(k)/457(b) Why Reading this Information Booklet is Important. Before you participate in Voya Retirement Choice or Voya Retirement Choice II through your employer’s retirement plan (the “Plan”), you (the “employee”/ “participant”) should read this information booklet. Plan sponsors (generally your employer) should read this information booklet to help determine if the program is appropriate for their Plan. Please note that this information booklet is provided as an overview of the program, which may be subject to change. In the event of a conflict between this information and the contract, the terms of the contract will prevail. Please keep this information booklet for future reference. OVERVIEW Your employer has established a retirement Plan for you. The Voya Retirement Choice II packaged program (the “Program”) is offered as a funding option for that Plan. The Program includes a Custodial Account Agreement or Trust Agreement between your employer and Voya Institutional Trust Company (which may also include as parties Voya Financial Partners, LLC and Voya Retirement Insurance and Annuity Company); and a group fixed annuity contract between your employer and Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us,” “our”). These companies are not a party to your employer’s retirement Plan and have no responsibility for any assets of the Plan prior to their receipt by the applicable company. Your employer has also entered into a service agreement with the Company, under which we provide administrative services to your employer’s retirement Plan. The Program provides a menu of investment options for your retirement Plan that allows employee and employer (where available) contributions to be invested in: x Mutual fund shares which are available through a custodial or trust account (mutual funds are not part of the Fixed Plus contract); and/or x The Voya Fixed Plus Account (the “Fixed Plus Account”), a credited interest option which offers stability of principal through a group fixed annuity contract that we issue (the Fixed Plus contract). As described in your enrollment material, you will have access to your account information through our interactive voice response telephone service and via the internet at www.voyaretirementplans.com. INVESTMENT OPTIONS The Company will establish and maintain one integrated account record for each participant reflecting both the mutual fund investment options and the Fixed Plus Account credited interest option. When we establish your account, you may, with your employer’s authorization, direct account assets to any of the available options. At our discretion, we may add, restrict, or withdraw the availability of any investment options in the future. Mutual funds: All mutual fund shares are held in the applicable custodial or trust account and are registered in the name of the custodian or trustee respectively. Remember that mutual fund values fluctuate with market conditions and, when surrendered, the principal may be worth more or less than the original amount invested.

You should consider the investment objectives, risks and charges and expenses of the contract and its underlying fund options offered through a retirement plan carefully before investing. Information about the underlying funds, including information about the risks associated with investing in them, can be found in the current prospectus and Statement of Additional Information for each fund. You may obtain these documents by contacting your local representative. If you receive a summary prospectus for any of the underlying funds offered, you may obtain a full prospectus and other fund information free of charge by either accessing the internet address, calling the telephone number or sending an email request to the email address shown on the front of the fund’s summary prospectus. Fixed Plus Account Credited Interest Option: The Fixed Plus Account credited interest option offers stability of principal and credits interest on amounts allocated to this option. Amounts invested in the Fixed Plus Account are held in the Company’s general account that supports insurance and annuity obligations. Interests in the Fixed Plus

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Account have not been registered with the U.S. Securities and Exchange Commission (“SEC”) in reliance on exemptions under the Securities Act of 1933, as amended. The safety of the interest rate guarantees under the Fixed Plus contract is dependent upon the Company’s claims-paying ability. The guarantees do not apply to the investment return or principal under the mutual funds. The Fixed Plus Account consists of a minimum guaranteed interest rate (“GMIR”) that is set for the life of the contract. The GMIR is stated in the Fixed Plus contract. Each calendar year (1/1 to 12/31), the Company will also set a one-year minimum guaranteed floor rate which will apply to all amounts held in the Fixed Plus Account during that calendar year. This one-year minimum guaranteed floor rate is currently equal to the GMIR and is guaranteed to never be less than the GMIR for the life of the contract. During the year, the Company will credit interest to the Fixed Plus Account at a “current credited interest rate”. The current credited interest rate may change but is guaranteed not to be below either the minimum guaranteed floor rate or the GMIR. Voya will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. The current rate for a plan’s initial investment in the Voya Fixed Plus Account may be in effect for less than a full three-month period. All interest rates applicable to the Fixed Plus Account are expressed as an annual effective yield. Interest is credited to your account on a daily basis. Once credited, the interest becomes a part of your principal. This means that your account earns compound interest. Taking the effect of compounding into account, the interest credited to your account daily yields the current credited interest rate. Any changes in rates will apply to all amounts in the Fixed Plus Account. There are restrictions on transfers and withdrawals associated with the Fixed Plus Account; see the TRANSFERS and WITHDRAWALS sections for more details. PARTICIPANT RECORDKEEPING FEES One or more of the following fees may apply: Annual Participant Service Fee (sometimes referred to as maintenance fee): An annual fee may be deducted from your account. This fee may be waived, reduced, or eliminated in certain circumstances. If applicable, a prorata portion of the fee is deducted quarterly from all investment options within each money source selected by the Plan Sponsor for the deduction of this fee (e.g., employee contribution source, employer contribution source, employee Roth Account source). Annual Asset-Based Service Fee: An annual asset-based fee may be deducted from your account for recordkeeping and administrative services provided to your employer’s Plan. The maximum annual asset- based fee will be no more than 1.00% and may vary by investment option. This fee may be waived, reduced, or eliminated in certain circumstances. If applicable, a pro-rata portion of the asset-based fee is calculated and deducted quarterly from all investment options, or from the mutual fund assets only, depending upon your employer’s Plan. It will appear on your statements as a flat dollar amount deducted from all applicable investment options. Recordkeeping fees can be found on the Performance Update and Fee Disclosure (if applicable). The recordkeeping and administrative services the Company provides in connection with your employer’s Plan include: x Quarterly account statements; x Tax reporting on distributions; x Tax withholding; x Required minimum distribution processing; x Systematic withdrawal processing; x Account Rebalancing; x Asset allocation tools; x Internet account and transaction capability; x Telephone account capability; x Customer service call center; and x On-line financial calculators. ADDITIONAL FEES

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You may be assessed the following additional service fees: x Loan initiation fee of up to $100; x “Stop payment” requested within 10 days of check issuance, $50 per check; and x Other fees as elected by your employer for additional services. Fund Fees and Expenses Each mutual fund deducts management fees from the amounts allocated to the fund. In addition, each fund deducts other expenses which may include service fees that may be used to compensate service providers, including the Company and its affiliates, for administrative and plan sponsor or participant services provided on behalf of the fund. Furthermore, certain funds deduct a distribution or 12b-1 fee, up to 1.00%, which is used to finance any activity that is primarily intended to result in the sale of fund shares. Certain funds may also deduct redemption fees if fund shares are not held for a specified period. To learn more about fund fees and expenses, the additional factors that can affect the value of a fund’s shares and other important information about the funds, refer to the fund prospectuses, fee disclosure (if applicable) and the fund fact sheets, which can be obtained by contacting us at the telephone number or address shown in the “Questions: Contacting the Company” section at the end of this information booklet. Revenue from the Funds The Company or its affiliates may receive compensation from each of the funds or the funds’ affiliates. This revenue may include: x A share of the management fee; x Service fees; x For certain share classes, 12b-1 fees; and x Additional payments (sometimes referred to as revenue sharing). 12b-1 fees are used to compensate the Company and its affiliates for distribution related activity. Service fees and additional payments (sometimes collectively referred to as sub-accounting fees) help compensate the Company and its affiliates for administrative, recordkeeping or other services that we provide to the funds or the funds’ affiliates. The management fee, service fees and 12b-1 fees are deducted from fund assets. Any such fees deducted from fund assets are disclosed in the fund prospectuses. Additional payments, which are not deducted from fund assets and may be paid out of the legitimate profits of fund advisers and/or other fund affiliates, do not increase, directly or indirectly, fund fees and expenses, and we may use these additional payments to finance distribution. The amount of revenue the Company may receive from each of the funds or from the funds’ affiliates may be substantial, although the amount and types of revenue vary with respect to each of the funds offered through the Program. This revenue is one of several factors we consider when determining Program fees and charges and whether to offer a fund through the Program. The Company expects to earn a profit from this revenue to the extent it exceeds the Company’s expenses, including the payment of sales compensation to our distributors. Fund revenue is important to the Company’s profitability and it is generally more profitable for us to offer, and we receive more revenue from, affiliated funds than unaffiliated funds. The Company may also receive additional compensation in the form of intercompany payments from an affiliated fund’s investment adviser or the investment adviser’s parent in order to allocate revenue and profits across the organization. The intercompany payments and other revenue received from affiliated funds provide the Company with a financial incentive to offer affiliated funds through the contract rather than unaffiliated funds. Compensation Arrangements Sales professionals provide numerous services including services to Plan sponsors and Plan participants. These may include installing and servicing the Program by providing product explanations, and periodically reviewing participants’ retirement needs and available investment options. Persons who offer and sell the Programs may be paid a commission. Commissions may be paid as flat dollar amount and/or as a percentage ranging from 0% to 3% on recurring payments made during the first year of the participant or contract account, recurring payments after the first year of the participant or contract account, transferred assets and increased payments. In addition, the Company may pay an asset-based commission ranging up to 0.50%. We may also pay additional flat dollar amounts to qualifying registered representatives based on a participant’s increased or re-started contributions and/or the number of new participant enrollments over a specified period. In some cases, we may also pay flat dollar amounts that may exceed the commission maximums described above.

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We intend to recoup this compensation and other expenses paid to sales professionals through fees and charges imposed under the Program, including the Participant Recordkeeping Fees, the revenues received from the funds and their service providers/affiliates, and from the Company’s margins on the Fixed Plus Account.

EMPLOYER ELECTIONS REGARDING TRANSFER AND WITHDRAWAL PROVISIONS Elections made by your employer at the time of application for the Program will determine which specific transfer and withdrawal provisions will apply to your employer’s Plan. Details about the various transfer and withdrawal provisions that may apply are included in the TRANSFERS and WITHDRAWALS sections below. You will be advised as to the options your employer elected at your enrollment meeting. Please contact your local representative if you are uncertain which options are applicable to your employer’s Plan. TRANSFERS As authorized by your employer, you may transfer both existing amounts and future contributions among investment options available under the Program. Transfers are subject to the restrictions described below and must occur in accordance with the terms of the applicable fund company account agreement, the Fixed Plus contract, your employer’s Plan document, and the Plan Services Agreement. You may request a transfer by telephone or electronically via the Internet (details are included in your enrollment material). You will receive confirmation of the requested changes by mail or electronically, if available, and if you so elect. It is important that you review your changes carefully. Failure to report any discrepancies within 30 days will indicate that you are in agreement with the transactions in your account as reported on the confirmation. Transfer Restrictions Applicable To Your Employer’s Plan: Depending upon the option elected by your employer, transfers are subject to either a “percentage limit” restriction (on amounts from the Fixed Plus Account) or an “equity wash” restriction: x

Percentage Limit Restrictions on Transfers from the Fixed Plus Account: If your employer elected this option, then you may transfer among the mutual funds in the applicable custodial or trust account without restrictions. Transfers from the Fixed Plus Account are, however, subject to the following restriction: ¾

Your employer or you, if allowed by your employer’s Plan, may transfer 20% of your account value held in the Fixed Plus Account in each 12-month period. We determine the amount eligible for transfer on the business day we receive a transfer request in good order at our Home Office. We will reduce amounts allowed for transfer by any Fixed Plus Account withdrawals, transfers (including transfers made to issue a Plan loan) or amounts applied to annuity options during the prior 12 months. We reserve the right to include payments made due to the election of any of the systematic distribution options toward the 20% limit. We will waive the percentage limit on transfers when the value in the Fixed Plus Account is $5,000 or less.

Equity Wash Restrictions on Transfers: Transfers between investment options are allowed at any time, subject to the following equity wash restrictions if there are any Competing Investment Options (see below) under your employer’s Plan: ¾ You may not make transfers directly from the Fixed Plus Account to a Competing Investment Option; ¾ You may not make a transfer from the Fixed Plus Account to other investment options under the applicable custodial or trust account if a transfer to a Competing Investment Option has taken place within 90 days; ¾ You may not make a transfer from the Fixed Plus Account to other investment options under the applicable custodial or trust account if a non-benefit withdrawal from a non-Competing Investment Option has taken place within 90 days; and ¾ You may not make a transfer from a non-Competing Investment Option to a Competing Investment Option if a transfer from the Fixed Plus Account has taken place within 90 days. Notwithstanding the above equity wash restrictions, automatic transfers from the Fixed Plus Account to the loan investment option (if available) under the applicable custodial account to accommodate a loan request, if allowed under the Plan, are allowed at any time.

Competing Investment Option: A Competing Investment Option is defined as an investment option that is

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provided under the applicable Voya Retirement Choice II custodial or trust account that: x Provides a direct or indirect investment performance guarantee; x Is, or may be, invested primarily in assets other than common or preferred stock; x Is, or may be, invested primarily in financial vehicles (such as mutual funds, trusts or insurance contracts) that are invested in assets other than common or preferred stock; x Is available through the self-directed brokerage account; or x Is any fund with similar characteristics to the above. Examples of such investment options would include money market instruments, repurchase agreements, guaranteed investment contracts, or investments offering a fixed rate of return, or any investment option having a targeted duration of less than three (3) years. Additionally, the self-directed brokerage account is considered a Competing Investment Option. Please contact your local representative to determine which investment options are considered Competing Investment Option under the Fixed Plus contract for your employer’s Plan. Any non-enforcement of the Competing Investment Option transfer restrictions is temporary and will not constitute a waiver of these requirements. Investment options that no longer accept contributions or transfers are not considered to be Competing Investment Options. 403(b) Plans Only: Transfers between amounts invested in the mutual funds held under a 403(b)(7) custodial account and amounts invested in the Fixed Plus contract’s Fixed Plus Account will be processed pursuant to applicable contract exchange rules established under the Code and regulations, and your employer’s plan document. Limits on Frequent or Disruptive Transfers. The Program is not designed to serve as a vehicle for frequent transfers. The Company has an Excessive Trading Policy and monitors transfer activity, and each underlying mutual fund available through the Program has adopted or may adopt an excessive/frequent trading policy. See your enrollment materials for details about our Excessive Trading Policy. WITHDRAWALS Withdrawals for Benefits: Under the Program, you may make withdrawals from the Fixed Plus Account or any other investment options under the applicable custodial or trust account to pay “benefits” at any time. Benefits are payments to you under the terms of your employer’s Plan as allowed by the Code for the following reasons, as applicable: retirement, death, disability*, loan (if allowed under the Plan), in-service withdrawals after age 59½*, separation from service (not including a severance from employment that would not otherwise qualify as a separation from service), financial hardship or unforeseeable emergency (for 457(b) governmental plans), purpose of purchasing service credits (for 457(b) Governmental plans) and in-service distribution. Available benefit payments will vary based on Plan provisions and applicable Code restrictions and requirements. The Plan Sponsor may direct the Company to place a withdrawal restriction on your account in the event of receipt of a domestic relations order or any other type of court order or regulatory document that asserts a claim to benefits. * Not applicable to 457(b) plans Non-Benefit Withdrawal Restrictions Applicable To Your Employer’s Plan: Depending upon the option elected by your employer, non-benefit withdrawals are subject to either a “percentage limit” restriction (on amounts from the Fixed Plus Account) or an “equity wash” restriction: x

Percentage Limit Restrictions on Non-benefit Withdrawals from the Fixed Plus Account: If your employer elected this option, you may withdraw money from the mutual funds in the applicable custodial or trust account without restrictions (subject to applicable Plan and Code provisions). Withdrawals from the Fixed Plus Account are, however, subject to the following restrictions: ¾

Partial Withdrawals from the Fixed Plus Account: Your employer or you, if allowed by your Plan, may withdraw up to 20% of your account value held in the Fixed Plus Account in each 12month period. We determine the amount eligible for withdrawal on the business day we receive a withdrawal request in good order at our Home Office. We will reduce amounts allowed for withdrawal by any Fixed Plus Account withdrawals, transfers (including transfers made to issue a Plan loan) or amounts used to purchase annuity payments during the prior 12 months. We reserve the right to include payments made due to the election of any of the systematic distribution options toward the percentage limit. Waiver of 20%Percentage Limit On Partial Withdrawals. We will waive the percentage limit on

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partial withdrawals when the partial withdrawal is made in accordance with any of the conditions listed in Appendix A. ¾

Full Withdrawals from the Fixed Plus Account: Your employer or you, if allowed by your Plan, may request a full withdrawal of your account value held in the Fixed Plus Account. Full withdrawals from the Fixed Plus Account will be paid out in five annual payments. Once a request is received for a full withdrawal, no further withdrawals, loans, or transfers will be permitted. The first payment would be 20% of the value in the Fixed Plus Account as of the business day we receive your request in good order, reduced by the amount, if any, transferred (including transfers made to issue a Plan loan), withdrawn, taken as a systematic distribution option, or used to purchase Annuity payments during the past 12 months. Subsequent payments, made on annual intervals of the first payment, would be in the amounts of 25%, 33%, 50% and 100% of the balance on the respective dates. Your request may be cancelled at any time before the end of the five-payment period. If any contributions are received to your account at any time during the five-year payment period, the full withdrawal will be cancelled and your Fixed Plus account installment payments will cease. If your full withdrawal is cancelled (either by your request or due to receipt of a contribution to your Account), a new five-year payment period will begin upon any future full withdrawal from your Account. Additional information on Fixed Plus withdrawal provisions is available in your contract prospectus or contract information booklet." Waiver of Percentage Limit On Full Withdrawals. We will waive the restrictions on full withdrawals when the withdrawal is made in accordance with any of the conditions listed in Appendix B.

Equity Wash Restrictions on Non-benefit Withdrawals: If your employer elected this option, nonbenefit withdrawals are subject to the following restrictions: ¾ You may not make non-benefit withdrawals from the Fixed Plus Account. ¾ You may not make a non-benefit withdrawal from a non-Competing Investment Option if a transfer from the Fixed Plus Account has taken place within 90 days.

In addition to the non-benefit limits or restrictions described (percentage limit or equity wash), the Internal Revenue Code (“Code”) and/or your employer’s Plan may also have specific limits on withdrawals. Please refer to your summary Plan description or contact your employer’s benefits office for further information. 403(b) Withdrawal Restrictions: The Code places restrictions on withdrawals from a 403(b)(1) tax-deferred annuity and a 403(b)(7) mutual fund account, which are required to be specifically set forth in the applicable annuity contract or mutual fund custodial account agreement. The Code generally prohibits withdrawals from 403(b) accounts prior to death, disability, attainment of age 59 ½, severance from employment or financial hardship (account earnings are not generally available due to hardship). These restrictions do not include contract exchanges to other investment alternatives under your employer’s 403(b) plan, transfers made to another employer’s 403(b) plan, or to transfers made to a governmental defined benefit plan to purchase service credits unless further restricted by your employer’s 403(b) written plan. Employer-Directed Full Withdrawal Rules: If the employer controls the Fixed Plus contract and requests a full withdrawal from the Program, the account balances of the mutual funds held in the custodial or trust account will be paid immediately in accordance with the written direction of the employer. However, with regard to the Fixed Plus contract, we will pay amounts held in the Fixed Plus Account in accordance with the following Extended Payout Provision. Check with your employer if you have questions concerning an employer-directed full withdrawal. Extended Payout Provision: If the employer requests a full withdrawal from the Program as described above, the Company will pay any amounts held in the Fixed Plus Account, with interest, in five annual payments that will be equal to: x One-fifth of the value in the Fixed Plus Account as of the business day we receive the withdrawal request in good order at our Home Office reduced by the amount, if any, transferred (including transfers made to issue a Plan loan), withdrawn, or used to purchase annuity payments during the prior 12 months (we reserve the right to reduce the amount available by deducting any amount withdrawn under a systematic distribution option); then, x One-fourth of the remaining amount 12 months later; then, x One-third of the remaining amount 12 months later; then, x One-half of the remaining amount 12 months later; then, x The balance of the value in the Fixed Plus Account 12 months later

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FIXED PLUS CONTRACT - DEATH BENEFIT In the event of your death, the Fixed Plus contract provides a death benefit, payable to the beneficiary named under the contract (contract beneficiary). When your employer controls the group fixed annuity contract, your employer is the contract beneficiary, but may direct that we make any payments to the beneficiary you name under the Plan (Plan beneficiary). When your employer does not control the contract (voluntary plans), you designate the name of the beneficiary. SYSTEMATIC DISTRIBUTION OPTIONS (“SDO”) We may offer one or more distribution options under which we make regularly scheduled automatic partial distributions of your account value. To request a SDO, you must complete a SDO election form and forward it to our Home Office. FIXED PLUS CONTRACT- ANNUITY PAYMENT OPTIONS While the Company may make other options available, the following annuity payment options (if allowed by your employer’s Plan) are currently offered on amounts maintained in the Fixed Plus contract: Non-Lifetime Option: Payments for a Stated Period - periodic payments made for a fixed period of years (no fewer than 5 years, but no more than 30 years or as otherwise specified in the Fixed Plus contract). If you die before receiving all the payments, your beneficiary can choose either to receive the remaining periodic payments or to have the present value of the payments in a lump sum. Note: This must be an irrevocable election (no withdrawals or changes may be made). Single Lifetime Options: Life Income - periodic payments made for as long as you live. Life Income with Guaranteed Payments - periodic payments made for as long as you live with a specified minimum number of payments guaranteed (no fewer than 5 years, but no more than 30 years or as otherwise specified in the Fixed Plus contract). If you die before the end of the guarantee period, payments will continue to your beneficiary for the remainder of the guarantee period. Joint Lifetime Option: Life Income Based Upon Two Lives - periodic payments made for as long as you and a second annuitant live. You may further elect from among the following options: x 100% of the payment to continue to the survivor; x Ҁ RI WKH SD\PHQW WR FRQWLQXH WR WKH VXUYLYor; x 50% of the payment to continue to the survivor; x 100% of the payment to continue after the first death with payments guaranteed to the beneficiary after the second death for a period of years; the number of years in the payment period must fall within the range of at least 5 years to no more than 30 years, or as otherwise specified in the Fixed Plus contract; or x 100% of the payment amount to continue at the death of the specified second annuitant and 50% of the payment amount to continue at the death of the specified annuitant. Note: All Single and Joint Lifetime options are irrevocable elections (no withdrawals or changes may be made) regardless of the investment option(s) selected. In no event may annuity payments extend beyond (a) your life; (b) the lives of you and your beneficiary; (c) any certain period greater than your life expectancy; or (d) any certain period greater than the joint life expectancies of you and your beneficiary. In addition, when your payments start, your age plus the number of years for which payments are guaranteed cannot exceed that permitted by the Code minimum distribution regulations. SUSPENSION OF FINANCIAL TRANSACTIONS OR PAYMENT DELAY

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In accordance with applicable federal securities laws and regulations, we reserve the right to suspend financial transactions or postpone payments during times when the following situations occur: x The New York Stock Exchange (“NYSE”) is closed or trading on the NYSE is restricted; or x The U.S. Securities and Exchange Commission (“SEC”) determines that a market emergency exists or restricts trading for the protection of investors. The Company, under certain emergency conditions, may also defer any payment from the Fixed Plus Account for a period of up to 6 months (unless not allowed by state law), or as provided by federal law. FEDERAL TAX INFORMATION Under federal tax law, qualified retirement Plan contributions and investment earnings are not taxable until they are * distributed. Taxation occurs when amounts are paid from the Program funding the Plan to participants (or their beneficiaries). The Program, including the Fixed Plus contract, is not necessary for this favorable tax treatment. Federal tax rules limit contributions to and distributions from the Program: x Contributions - In order to be excludable from gross income for federal income tax purposes, total annual contributions are limited by the Internal Revenue Code; and x Distributions - Certain tax rules limit eligibility to distributions from the Program and dictate when minimum distributions must begin. We report the gross and taxable portions of all distributions to the IRS. Any taxable distributions are generally subject to withholding. Federal income tax withholding rates vary in accordance with the type of distribution and the recipient’s tax status. Note that there may be other circumstances that trigger taxability under the Plan, including, but not limited to, loan defaults. You should consult with a tax and/or legal adviser about the effect of federal income tax laws, state tax laws or any other tax laws affecting the Program or any transactions involving the Program. IRS Circular 230 Disclosure: These materials are not intended to be used to avoid tax penalties, and were prepared to support the promotion or marketing of the matter addressed in this booklet. * After-tax contributions and applicable earnings from Roth sources, if available, will not be taxable provided they meet the qualified Roth distribution criteria. ANTI-MONEY LAUNDERING In order to protect against the possible misuse of our products in money laundering or terrorist financing, we have adopted an anti-money laundering program satisfying the requirements of the USA PATRIOT Act and other current anti-money laundering laws. Among other things, this program requires us, our agents and customers to comply with certain procedures and standards that will allow us to verify the identity of the sponsoring organization and that contributions and loan repayments are not derived from improper sources. Under our anti-money laundering program, we may require customers, and/or beneficiaries to provide sufficient evidence of identification, and we reserve the right to verify any information provided to us by accessing information databases maintained internally or by outside firms. We may also refuse to accept certain forms of payments or loan repayments (traveler’s cheques, cashier’s checks, bank drafts, bank checks and treasurer’s checks, for example) or restrict the amount of certain forms of payments or loan repayments (money orders totaling more than $5,000, for example). In addition, we may require information as to why a particular form of payment was used (third party checks, for example) and the source of the funds of such payment in order to determine whether or not we will accept it. Use of an unacceptable form of payment may result in us returning the payment to you. Applicable laws designed to prevent terrorist financing and money laundering might, in certain circumstances, require us to block certain transactions until authorization is received from the appropriate regulator. We may also be required to provide additional information about you and your policy to government regulators. Our anti-money laundering program is subject to change without notice to take account of changes in applicable laws or regulations and our ongoing assessment of our exposure to illegal activity. ORDER PROCESSING

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In certain circumstances, we may need to correct the pricing associated with an order that has been processed. In such circumstances, we may incur a loss or receive a gain depending upon the price of the fund when the order was executed and the price of the fund when the order is corrected. Losses may be covered from our assets and gains that may result from such order correction will be retained by us as additional compensation associated with order processing. UNCLAIMED PROPERTY Every state has some form of unclaimed property laws that impose varying legal and practical obligations on insurers and, indirectly, on contract owners, participants, insureds, beneficiaries and other payees of proceeds. Unclaimed property laws generally provide for escheatment to the state of unclaimed proceeds under various circumstances. Contract owners and participants are urged to keep their own, as well as their beneficiariesâ&#x20AC;&#x2122; and other payeesâ&#x20AC;&#x2122;, information up to date, including full names, postal and electronic media addresses, telephone numbers, dates of birth, and Social Security numbers. Such updates should be communicated to us at the toll free phone number found in your enrollment material. CYBER SECURITY Like others in our industry, we are subject to operational and information security risks resulting from "cyberattacks", "hacking" or similar illegal or unauthorized intrusions into computer systems and networks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service attacks on websites and other operational disruption and unauthorized release of confidential customer information. Although we seek to limit our vulnerability to such risks through technological and other means and we rely on industry standard commercial technologies to maintain the security of our information systems, it is not possible to anticipate or prevent all potential forms of cyber-attack or to guarantee our ability to fully defend against all such attacks. In addition, due to the sensitive nature of much of the financial and similar personal information we maintain, we may be at particular risk for targeting. Cyber-attacks affecting us, any third party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your account value. For instance, cyber-attacks may interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate Accumulation Unit Values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cyber security risks may also affect the issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers will avoid losses affecting your contract that result from cyber-attacks or information security breaches in the future. QUESTIONS: CONTACTING THE COMPANY For answers to questions about the Program, to request additional information, including fund prospectuses, or to contact us for any other reason, please call: x Plan Sponsors: Please call Plan Sponsor Services toll-free at 888-410-9482. x Participants: Please call the Retirement Readiness Service Center toll-free at 800-584-6001. Alternatively, please write us at: Voya Retirement Insurance and Annuity Company One Orange Way Windsor, CT 06095-4774

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APPENDIX A Waiver of the 20% Limit in a 12-Month Period for Partial Withdrawals from the Voya Fixed Plus Account This Appendix A applies if your employer elected the percentage limit restriction as described in WITHDRAWALS. In some circumstances, partial withdrawals from the Voya Fixed Plus (“Fixed Plus”) Account may be limited to no more than 20% of your account value held in the Fixed Plus Account in each 12-month period. Generally, the percentage limit does not apply to any benefit-related partial withdrawals (as discussed under WITHDRAW ALS). In accordance with the Fixed Plus contract, we will also waive the percentage limit when the partial withdrawal is associated with any of the following specific conditions (applicable to all plans unless otherwise indicated): 1. Due to your death before annuity payments begin and paid within six months of your death (exception applies to only one partial withdrawal). 2. To purchase annuity payments. 3. Due to other conditions as the Company may allow without discrimination. Currently these include: (a) When you separate from service with your employer*, and when: x Separation from service is documented in a form acceptable to us; x The amount is paid directly to you or as a direct rollover (if permitted by the Code) to another Code Section 403(b), 401, or governmental 457(b) plan or an Individual Retirement Annuity or an Individual Retirement Account designated by you; and x The amount paid for all withdrawals due to separation from service during the previous 12 months does not exceed 20% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period. * Note on severance and separation: A waiver of the Fixed Plus Account withdrawal limit does not apply if it is due to a severance from employment that does not otherwise qualify as a separation from service. Although it may not result in the waiver described in this appendix, the Code does permit certain distributions upon a severance from employment. See “Restrictions on Distributions” provisions under “Tax Information” in the Appendix for your specific type of plan. (b) Due to a plan loan taken in accordance with the terms of the plan, and in accordance with the loan procedures described under “Loans” in this Information Booklet. (c) For all plans except 457(b) plans and governmental 401(a) plans: Due to financial hardship as defined in the Code, and when: x If applicable, the financial hardship is certified by your employer; x The amount is paid directly to you, and x The amount paid for all withdrawals due to financial hardship during the previous 12 months does not exceed 20% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period. (d) For 457(b) plans only: Due to an unforeseeable emergency as defined in the Code, and when: x The unforeseeable emergency is certified by your employer; x The amount is paid directly to you, and x The amount paid for all withdrawals due to an unforeseeable emergency during the previous 12 months does not exceed 10% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period. (e) For 457(b) and governmental 401(a) plans only: For an in-service distribution permitted by the plan, and when: x The in-service distribution is certified by your employer; x The amount is paid directly to you, and x The amount paid for all withdrawals due to a permitted in-service distribution during the previous 12 months does not exceed 10% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period.

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APPENDIX B Waiver of the Restrictions on Full Withdrawals from the Voya Fixed Plus Account This Appendix B applies if your employer elected the percentage limit restriction as described in W ITHDRAWALS. In some circumstances, full withdrawals from the Voya Fixed Plus (“Fixed Plus”) Account may be paid out in five annual payments. Generally, this restriction does not apply to any benefit-related withdrawal (as discussed under WITHDRAWALS). In accordance with the Fixed Plus contract, we will also waive this restriction when the full withdrawal is associated with any of the following specific conditions (applicable to all plans unless otherwise indicated): 1. When the amount in the Fixed Plus Account is $5,000 or less and during the previous 12 months no amounts have been withdrawn, transferred (including transfers made to issue a plan loan), or used to purchase annuity payments. 2. Due to your death before annuity payments begin and paid within six months of your death. 3. To purchase annuity payments on a life-contingent basis or for a stated period. 4. If contributions have not been made for a period of two full years and the guaranteed monthly benefit under the annuity options would be less than $20 per month and, at the Company’s option, your account is being terminated. 5. When you separate from service with your employer*, and when: x Separation from service is documented in a form acceptable to us; x The amount is paid directly to you or as a direct rollover (if permitted by the Code) to another Code Section 403(b), 401, or governmental 457(b) plan or an Individual Retirement Annuity or an Individual Retirement Account designated by you; and x The amount paid for all withdrawals due to separation from service during the previous 12 months does not exceed 20% of the average value of the Fixed Plus Account held under the group fixed annuity contract (the Fixed Plus contract) during that period. * Note on severance and separation: A waiver of the Fixed Plus Account withdrawal limit does not apply if it is due to a severance from employment that does not otherwise qualify as a separation from service. Although it may not result in the waiver described in this appendix, the Code does permit certain distributions upon a severance from employment. See “Restrictions on Distributions” provisions under “Tax Information” in the Appendix for your specific type of plan. 6. For all plans except 457(b) plans and governmental 401(a) plans: Due to financial hardship as defined in the Code, and when: x If applicable, the financial hardship is certified by your employer; x The amount is paid directly to you; and x The amount paid for all withdrawals due to financial hardship during the previous 12 months does not exceed 20% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period. 7. For 457(b) plans only: Due to an unforeseeable emergency as defined in the Code, and when: x The unforeseeable emergency is certified by your employer; x The amount is paid directly to you; and x The amount paid for all withdrawals due to an unforeseeable emergency during the previous 12 months does not exceed 10% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period. 8. For 457(b) and governmental 401(a) plans: For an in-service distribution permitted by the plan, and when: x The in-service distribution is certified by your employer; x The amount is paid directly to you; and x The amount paid for all withdrawals due to an in-service distribution during the previous 12 months does not exceed 10% of the average value of the Fixed Plus Account held under the Fixed Plus contract during that period.

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Need Help? Information and Assistance at Your Fingertips

Voya Membership Card. Keep in Touch With Your Account. Plan #666355

For automated phone access or to speak with a Customer Service Associate – (800) 584-6001 For Internet access – www.voyaretirementplans.com M - F, 8 a.m. – 9 p.m., ET Life changes – (888) 681-3153

Getting Started – Know Your Personal Identiﬁcation Number (PIN) Your PIN is required to access your account by phone or to register for online access. After you complete your enrollment, you will receive a PIN in a separate mailer via U.S. Mail. If you wish to use Voya phone services or register for online account access before receiving your PIN, follow the prompts to request that a new PIN be delivered to the email address or mobile number you provided during the enrollment process. Phone: (800) 584-6001 Automated services are available 24 hours a day, seven days a week. Representatives are available to assist you Monday through Friday, 8:00 a.m. – 9:00 p.m. ET. For Online Account Access: www.voyaretirementplans.com To register for online account access, select ‘Register now’. Enter your Social Security Number and PIN. You will be asked to create a personalized Username and Password for ongoing use. Read and accept the terms and conditions, and then follow the prompts to provide a few more details to complete your registration. For returning users, login using your Username and Password.

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Voya.com www.voyaretirementplans.com Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company (“VRIAC”), Windsor, CT or ReliaStar Life Insurance Company, (“ReliaStar”), Minneapolis, MN. VRIAC or ReliaStar is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC (“VIPS”). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All products or services may not be available in all states. Only VRIAC is admitted and its products offered in the state of New York. Para asistencia en español Si usted necesita asistencia en español sobre su plan de ahorros simplemente marque (888) 277-7017 para comunicarse con uno de nuestros representantes que hablan español. Este servicio está a su disposición de lunes a viernes, de 8:00 a.m. a 9:00 p.m. hora del este. © 2017 Voya Services Company. All rights reserved. CN0309-31943-0419D 3015836.X.P-6 (3/17) Not FDIC/NCUA/NCUSIF Insured Not a Deposit of a Bank/Credit Union May Lose Value Not Bank/Credit Union Guaranteed Not Insured by Any Federal Government Agency

666355--6/12/2018-

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