Future Forward

Future forward

Your Kronos Incorporated Retirement Savings Plan is moving to Empower Retirement.

Effective May 1, 2021

Partnering to build a strong retirement UKG has chosen Empower Retirement to offer employees top-quality ser vice and resources for their retirement planning as the two legacy company plans become one UKG plan. On May 1, the Kronos Incorporated Retirement Savings Plan will be merging with the Ultimate Sof tware 401(k) Retirement Plan and will be renamed the UKG Retirement Savings Plan, which will be administered by Empower Retirement.

Par tnering with Empower will provide employees with access to powerful tools and ser vices that will help you pursue retirement goals and financial well-being. Empower’s innovative approach, combined with their unique offerings and commitment to service excellence, has earned the trust of millions of retirement savings plan participants.

Empower is one of the largest retirement ser vices providers in the nation,¹ ser ving more than 12 million individuals and over 67,000 organizations.² Retirement is all they do, with a mission of empowering people to save enough money today to work toward a secure retirement.

1 Pension & Investments 2020 Defined Contribution Survey Ranking as of April 2020. 2 As of January 4, 2021. Your future in the making

WHAT HAPPENS NEXT Your account balance and future contributions will transfer into a target date fund — automatically. If you want to choose a different investment allocation for your account before the transition, you can make new fund elections with Empower between April 15, 2021, and April 29, 2021.

This booklet is intended to help you understand what to expect during the transition and which features you can expect to see, including:

• A new investment menu described later in this brochure. • A commitment to high levels of transaction accuracy and cybersecurity. • My Financial Path: Your plan offers a place to help you make sense of your finances. • Access to financial professionals who can talk to you about your investments and plan ser vices. • Empower Brokerage: Your plan offers additional investment options beyond the core funds. The Empower Brokerage account is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments available through an Empower Brokerage account. • The Empower Retirement app to view your account wherever you go. • 833-752-6854 (833-PLANUKG): Reach an enhanced customer ser vice team of specially trained consultants who can provide you with plan information on topics like savings, investing and financial wellness.

Get more information about the transition online at ukg401k.com/transition. Read through Frequently Asked Questions (FAQ) as well as sign up for an upcoming education meeting. Mark your calendar

April 15-29, 2021 Who is eligible to make an election during the Early Early Open Election Window Open Election Window? Log on to ukg401k.com to make investment elections If you are currently par ticipating in the plan, your that will determine how your transferred balance and contribution rate(s) and beneficiary information as of future contributions will be invested. If you do not April 1, 2021, will be captured and made available for update provide investment elections, your account will with Empower between April 15, 2021, and April 29, 2021, transfer to the plan’s default investment alternative, during the Early Open Election Window. a FIAM Index Target Date Fund based on your date of Special note for employees eligible as of May 1, 2021: birth, excluding any investments in a self-directed If you are newly eligible to par ticipate in the plan effective brokerage account. During this period you will not be May 1, 2021, you will be automatically enrolled at 5% of pay able to elect self-directed brokerage as an investment on a pretax basis unless you elect otherwise during the for future contributions. This will be available once Early Open Election Window. (Interns are exempt from this the plan is live. automatic enrollment.)

Register your account online April 14, 2021 Logging in to the Empower Retirement website for the Last day to complete a contribution rate update or first time? It ’s simple: enrollment on your current platform. Af ter April 14, contribution rate changes should only be 1. Visit ukg401k.com. completed with Empower. 2. Choose the option to register your account. April 22, 2021, at 4 p.m. Eastern time through 3. Follow the prompts and log in. April 27, 2021, at 4 p.m. Eastern time Note: It is important to check your date of birth when you Transition period begins register your account. If you do not proactively make an You may submit transactions to your Kronos Retirement Savings Plan at Fidelity prior to April 22, 2021, at 4 p.m. investment election, your balance will be invested in a Eastern time. This is the last day to complete and submit target date fund based on your date of birth. Please loan or other withdrawal requests either through paper contact Empower if changes are needed. forms or online. All other activity must be completed by During the Early Open Window, you should make April 27, 2021, at 4 p.m. Eastern time. an election for your: Plan accordingly to return all paperwork and 1. Contribution rate(s). documentation for applicable transactions before 2. Investment elections to direct how your converting April 22, 2021 (i.e., suppor ting documentation for loans balance and future contributions are invested. or withdrawals). You will have limited access to your account. This 3. Beneficiary information. “blackout period” will give us time to transfer your plan’s WE’VE GOT YOUR BACK administrative records to Empower Retirement (see the As you continue to plan for a successful future, Important Notice section of this document for details). we’re here to help. Let us know if you have any Payroll deductions will continue during the blackout period questions about your plan or if you need to make and will be reflected in your account when the blackout updates to your account. is complete.

Get more information about the transition online Week of May 9, 2021 at ukg401k.com/transition. Transition period is expected to end Once the blackout period has ended, you will have full access to your account online and by phone. How your account will transfer

Your current plan will roll over automatically, and the only action required is your review of the new plan setup at ukg401k.com during open enrollment in April. Unless you provide an affirmative investment election to the contrar y during the Early Open Election Window from April 15 - 29, 2021, at ukg401k.com, your account balance and future contributions will be invested in the target date fund that corresponds with your date of bir th according to the plan’s records (see table below). Any assets you have invested in a self-directed brokerage account will be excluded and will transition separately directly into an Empower brokerage account.

If you don’t want your balances and future contributions to transfer to the plan’s default investment alternative, you can change your elections for your current balance and future contributions by visiting ukg401k.com during the Early Open Election Window of April 15, 2021, through April 29, 2021.

During the period between May 3, 2021, until the week of May 9, 2021, when we expect to receive the plan’s assets, your account may be briefly invested in the Drey fus Government Cash Management Fund (DGCX X) and then redirected to the investment election we have for you on file. The Drey fus Government Cash Management Fund will be set up as a temporar y investment option in the plan during the initial transfer of assets as described. It will not be an investment option available af ter the transition is complete. Please note that any dividends/interest will be allocated to your account.

YOUR BIRTH DATE RANGE:

December 31, 1937, or earlier FIAM Index Target Date Income Commingled Pool Class Y

January 1, 1938 - December 31, 1942 FIAM Index Target Date 2005 Commingled Pool Class Y

January 1, 1943 - December 31, 1947 FIAM Index Target Date 2010 Commingled Pool Class Y

January 1, 1948 - December 31, 1952 FIAM Index Target Date 2015 Commingled Pool Class Y

January 1, 1953 - December 31, 1957 FIAM Index Target Date 2020 Commingled Pool Class Y

January 1, 1958 - December 31, 1962 FIAM Index Target Date 2025 Commingled Pool Class Y

January 1, 1963 - December 31, 1967 FIAM Index Target Date 2030 Commingled Pool Class Y

January 1, 1968 - December 31, 1972 FIAM Index Target Date 2035 Commingled Pool Class Y

January 1, 1973 - December 31, 1977 FIAM Index Target Date 2040 Commingled Pool Class Y

January 1, 1978 - December 31, 1982 FIAM Index Target Date 2045 Commingled Pool Class Y

January 1, 1983 - December 31, 1987 FIAM Index Target Date 2050 Commingled Pool Class Y

January 1, 1988 - December 31, 1992 FIAM Index Target Date 2055 Commingled Pool Class Y

January 1, 1993 - December 31, 1997 FIAM Index Target Date 2060 Commingled Pool Class Y

Januar y 1, 1998, or later FIAM Index Target Date 2065 Commingled Pool Class Y

The date in the name of the target date fund is the assumed date of retirement. The asset allocation becomes more conser vative as the fund nears the target retirement date; however, the principal value of the fund is never guaranteed.

To ensure your account is allocated according to your strategy or investment style, it’s a good idea to revisit your account and make adjustments to your investment elections, if necessar y, during the Early Open Election Window.

Investing involves risk, including possible loss of principal.

Get more information about the transition online at ukg401k.com/transition. What to consider when your funds transfer over

Additional funds available to you during the Early Open Election Window and once the transition is complete During the Early Open Election Window (April 15, 2021, through April 29, 2021) and following the transition (the week of May 9, 2021), simply log in to your account at ukg401k.com to obtain access to fund fact sheets, investment returns and prospectuses.

FUND NAME TICKER

Putnam Stable Value Fund N/A

Vanguard Federal Money Market Investor VMFXX

BlackRock Total Return K MPHQX

Fidelity® US Bond Index FXNAX

Diamond Hill Large Cap Y DHLYX

Fidelity® 500 Index FXAIX

T. Rowe Price Blue Chip Growth I TBCIX

Fidelity® Extended Market Index FSMAX

Harbor Small Cap Value Retirement HNVRX

ClearBridge Small Cap Growth IS LMOIX

American Funds EuroPacific Growth R6 RERGX

Fidelity® Total International Index FTIHX

The Putnam Stable Value Fund and Vanguard Federal Money Market Investor Fund are competing funds. These funds are subject to a trading provision called an equity wash that restricts assets in a competing fund from being transferred directly into another competing fund. Assets may be transferred to a noncompeting fund for a minimum period of 90 days before being moved into a competing fund.

Funds exempt from SEC registration do not have ticker symbols. New features you can take advantage of

The Empower Retirement app Employees can access their retirement accounts right from their iOS® or Android TM devices. The Empower app gives employees the freedom to enroll, access and view their accounts any where — any time. And, employees using iOS devices can easily manage their accounts at the touch of a button.

More options when you choose Empower Brokerage Enjoy greater flexibility and fewer limitations. With Empower Brokerage, you can make investment choices beyond what’s offered through your employer’s retirement plan.

If you’re an experienced investor looking for ways to diversif y your por tfolio, this self-directed brokerage account makes it easy to allocate your assets over a broad array of investments. Hundreds of new possibilities await you.

To get started, click Enroll on the Brokerage page of your plan website once your account is active with Empower.

Get answers to your financial questions My Financial Path can also help you make better sense of your money. Whether you’re new to the workforce, in the middle of your career or getting close to retirement, My Financial Path provides personalized, actionable steps you can take to reduce financial stress and get closer to achieving your goals. Start off on the right foot Confirm your contribution rate During the Early Open Election Window, be sure to make your contribution rate election online with Empower.

Confirm your beneficiaries Once the transition is complete, be sure to verify or update your beneficiary elections online with Empower.

Establish your contact preferences Add your preferred email address to your account so you never miss an aler t.

Not employed at UKG Inc.? You’re receiving this announcement because you have a balance in the Kronos Incorporated Retirement Savings Plan that will now be known as the UKG Retirement Savings Plan. And even though you’re not actively contributing to the plan, you should still make an investment election and update your beneficiar y information during the Early Open Election Window so your account transitions the way you intended and you can take advantage of other benefits the plan offers. Important notice concerning your rights in the Kronos Incorporated Retirement Savings Plan

March 15, 2021

This notice is to inform you that your account in the Kronos Incorporated Retirement Savings Plan will transfer to Empower Retirement effective May 1, 2021.

As a result of this change, you temporarily will be unable to check your account balance; transfer or diversify your investments in your Kronos Incorporated Retirement Savings Plan account; or obtain a loan, withdrawal or distribution. This period during which you will be unable to exercise these rights otherwise available under the plan is called a blackout period. Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this blackout period may affect your retirement planning as well as your overall financial plan. The temporar y blackout period begins at 4 p.m. Eastern time on April 22, 2021, which is the last day for receipt of completed paperwork or online requests for distributions, withdrawals, loans or hardship requests, including self-directed brokerage activity (new brokerage accounts or transactions between core investments and brokerage investments). April 27, 2021, at 4 p.m. Eastern time is the last day for all other activity, including fund reallocations or exchanges, and the blackout period ends during the week of May 9, 2021. During this time, you will have limited or no access to your Kronos Incorporated Retirement Savings Plan account. You will be unable to check your account balance; transfer or diversif y your investments; or obtain a loan, withdrawal or distribution.

Before the blackout period begins, it is ver y impor tant that you review and consider the appropriateness of your current investments because you will be unable to transfer or diversif y those investments during the blackout period. For your long-term retirement security, you should give careful consideration to the impor tance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments.

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

To review your plan account before the blackout period begins, contact Fidelity Investments at 800-603-4015 or access your account online at fidelity.com by 4 p.m. Eastern time on April 22, 2021. If you have questions concerning this notice, please contact Empower at 833-752-6854 (833-PLANUKG).

Once the blackout period ends, you will have full access to your plan account. If you would like to confirm the status of the blackout period, contact Empower at 833-752-6854 (833-PLANUKG) or ukg401k.com.

These dates and times are subject to change. Please contact Empower for more information. Get more information about the transition online at ukg401k.com/transition. Read through Frequently Asked Questions (FAQ) as well as sign up for an upcoming education meeting.

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. For prospectuses related to investments in your self-directed brokerage account (SDBA), contact your SDBA provider. Read them carefully before investing. Fund changes may alter the risk exposure of an investment account. Some cash-alternative options (other than money market funds), such as guaranteed interest funds or stable value funds, may have withdrawal and transfer restrictions. Carefully consider the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments. Adjustments may be needed to realign the account with its desired investment strategy. Once the transition is complete, please review the information for each fund on the plan website.

Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Securities available through Empower Brokerage are offered by GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company. Clearing, settlement, custody and other brokerage services are provided by Pershing LLC, Member FINRA/NYSE/SIPC and a wholly owned subsidiary of The Bank of New York Mellon Corporation. Additional information may be obtained by calling 877-788-6261. GWFS and Pershing are separate and unaffiliated brokerage firms. Accounts are subject to review and approval of GWFS. Brokerage Products: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE Investing involves risk, including possible loss of principal. My Financial Path includes products made available by Empower Retirement, LLC and third-party providers outside the retirement benefits provided under your plan. Inclusion of a product in My Financial Path is not an endorsement or recommendation of the product by the plan’s sponsor, service providers or fiduciaries. Diversification does not ensure a profit and does not protect against loss in declining markets. Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency ©2021 Empower Retirement, LLC. All rights reserved. 150572-01-FBK-WF-912876-0321 RO1546866-0321 Important information for current self-directed brokerage account (SDBA) holders

You recently received information regarding the transition to an enhanced recordkeeping system for the Kronos Incorporated Retirement Savings Plan. As part of this transition, your self-directed brokerage account (SDBA) will be transferring from Fidelity Investments to Empower Brokerage and transfers and trades will be restricted beginning at 4 p.m. Eastern time on April 22, 2021, and ending the week of May 9, 2021 (blackout period).

NOTE: The transfer from Fidelity Investments to Empower Brokerage may take several days. During the blackout period while your brokerage assets are transferring between providers, the assets will not be visible in the old or new account. Brokerage assets being transferred may settle at different times and may not settle on the same day. Please note that fractional shares of equities will not transfer to the new account. Whole shares of equities will transfer while fractional shares will be liquidated and transferred in cash.

If you currently have an SDBA with Fidelity Investments, a new SDBA has been established for you at Empower Brokerage to facilitate the transfer of the SDBA assets. You will receive a Welcome Kit from Empower Brokerage explaining the features of the SDBA. However, you will need to answer certain questions to be able to make trades within your Empower SDBA after the blackout period ends. This letter will help you complete the setup of your Empower Brokerage account online. Please review the following steps and additional information thoroughly. If you have Roth money in your SDBA, a separate Roth SDBA will be established for you. Please refer to page 3 for additional details.

You may answer the questions necessary to complete the setup of your Empower Brokerage account online during or after the week beginning May 9, 2021, to avoid trading restrictions on your SDBA. Follow the steps below: • Log on to ukg401k.com. • Access the Brokerage link. • Click Enroll. • Complete the process online.

If these steps are not completed before the brokerage platform transition is complete, your account may be restricted at the time of transfer and remain restricted until the application process is complete.

Through your continued use of the SDBA, you agree that you are solely responsible for determining the SDBA investments that are suitable to you and for any losses to your SDBA, and that you, on behalf of yourself and your heirs, successors and assigns, will not hold your employer, Empower Brokerage or any of your plan’s service providers liable for any negative consequences resulting from your use of the SDBA.

Page 1 of 3 If you do not want your current SDBA transferred to Empower Brokerage • You must liquidate all noncash holdings within your current SDBA and request the transfer of your SDBA assets back into the core funds (non-SDB investments) within the plan no later than 4 p.m. Eastern time on April 22, 2021. If you do not take action as described above, an SDBA will be opened for you, and your assets will transfer to the new account. o The trades to liquidate the current SDBA holdings and the transfer of proceeds to the core funds should be initiated via your plan’s website at fidelity.com or by calling 800-603-4015. o If you also have ongoing contributions allocated to your SDBA, you must redirect those as well prior to the transition via your plan’s website at fidelity.com or by contacting Fidelity Investments at 800-603-4015.

If you hold investments in your current SDBA that are not eligible for transfer to Empower Brokerage • If you have non-eligible investments, including but not limited to real estate, municipal bonds, foreign securities, worthless or chilled securities, privately held securities, limited partnerships, or certain mutual funds that Empower Brokerage does not have trading agreements with, those investments must be liquidated in your current SDBA prior to April 22, 2021, the blackout date. o You will be informed if you have non-eligible investments. o The non-eligible investments must be liquidated in your current SDBA. If the non-eligible investments are not liquidated by the April 22, 2021, blackout date, they may be fully liquidated on your behalf.

Core and transfer minimums • Once your SDBA is transferred to Empower Brokerage, you will be required to maintain a minimum balance of $500 of your account balance in the core funds. If your current investment elections allocate a portion or all of your salary deferrals to your SDBA, and you have not yet met the core minimum requirement in your core funds, the system will direct all or a portion of your payroll contributions into the plan’s default fund until the core minimum is met. Once the core minimum is met, contributions will be allocated in accordance with your current investment elections. • If you wish to make transfers into your SDBA from your core funds, an initial and subsequent transfer minimum of $500 will apply. • Monies will be transferred first into the Empower Brokerage Sweep Vehicle in your SDBA. You may then access your SDBA to make trades from the monies in your Empower Brokerage Sweep Vehicle.

Advisors or trading authorizations • If you’ve designated a financial advisor on your current SDBA or given trading authorization to another individual, those assignments will not transfer to your new SDBA. • If you’d like to designate a financial advisor on your SDBA or assign trading authorization or power of attorney to another individual, and if this is allowed per your plan rules, please contact Empower Brokerage after the transition is complete.

Note: We will cancel all open orders in your current SDBA. You will need to access your SDBA to set up open orders again after the blackout period ends. Account preferences such as systematic purchases or dividend elections that you’ve established within your current SDBA will not carry over to your new SDBA. These items will need to be reestablished after the transition has completed, if desired. If allowed by your plan, authorization to trade options will need to be reestablished.

Page 2 of 3 If you have Roth money in your SDBA • A separate Roth SDBA will be established for you during the plan’s blackout period. During this blackout period, money will be moved into this separate account, and transfers and trades will be prohibited. During this period, you will also see your overall SDBA balance overstated by one business day as the assets are moved from the non-Roth brokerage account to the Roth SDBA. • To establish the new Roth SDBA, assets equal to your Roth balance will be transferred to the new Roth SDBA. o If there is sufficient cash in your SDBA, cash will be moved to your new Roth SDBA. o If there is not sufficient cash in your SDBA, the transfer will occur in the following order until the Roth SDBA is funded: . Cash . Mutual funds, in alphabetical order by fund name as listed by Empower Brokerage . Settled stocks and exchange-traded funds (ETFs), in alphabetical order as listed by Empower Brokerage o NOTE: This transfer process may result in a security being split between the Roth and non-Roth SDBAs. • If you want to have an all-cash transfer to the Roth SDBA, the amount of cash in your current SDBA should be equal to or greater than your Roth balance in your current SDBA. • You will need to call Fidelity Investments at 800-603-4015 to make sure you have enough cash in your account. If you need to liquidate securities to raise more cash, you will need to place sell orders in your current SDBA by April 22, 2021.

If you do not want to have a separate Roth SDBA, you may transfer the cash back to the core funds in your plan’s lineup from the Roth SDBA at Empower Brokerage after the blackout period has ended.

Sincerely,

Empower Retirement

Page 3 of 3 Important notices for the UKG Retirement Savings Plan effective May 1, 2021

To help you better understand your investment options and other plan information, please see the following enclosures: • Notice of Investment Returns & Fee Comparison: This notice provides a list of the fees and expenses associated with your UKG Retirement Savings Plan account as well as details about the investment options available in the plan, including performance, fees and restrictions. • Qualified Default Investment Alternative (QDIA) Notice: This notice outlines what you need to know if you are making contributions to the plan but have not proactively chosen how your account will be invested. • Empower Brokerage fee schedule: This schedule contains information about the fees and charges that apply to Empower Brokerage accounts and transactions.

Please note that while the enclosed notices apply to the UKG Retirement Savings Plan, they may not all apply to your individual plan participation. If you have questions about these materials, please contact us at 833-752-6854. Empower associates are available weekdays from 8 a.m. to 10 p.m. Eastern time and Saturdays from 9 a.m. to 5:30 p.m. Eastern time.

Sincerely,

Empower Retirement

Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Investing involves risk, including possible loss of principal. ©2021 Empower Retirement, LLC. All rights reserved. RO1549997-0321 Notice of Investment Returns & Fee Comparison 150572-01 UKG Retirement Savings Plan ukg401k.com Your employer-sponsored retirement savings plan allows eligible employees to invest for their retirement. These plans can be valuable in helping participants reach their retirement savings goals. The goal is to build your account through additional contributions and investment returns in your plan. Fees and expenses related to your plan can affect the overall long-term value of your account. The investment options you choose also affect your account. It is important for you to have a clear understanding of the investment options available through your plan and the fees and expenses that are part of your plan. This notice includes information to help you understand plan costs and compare your retirement plan's investment options. It was designed to meet the participant fee disclosure regulations of the United States Department of Labor (DOL). For more information on the plan's investment options including investment objectives or goals, principal strategies and risks, portfolio turnover rate, current returns and expenses, please visit the participant website listed above. This website also includes educational information and tools designed to help you with making investment decisions. Additional information on the plan's investment options is also available on the participant website which may include prospectuses or similar documents, fund reports to the extent applicable, and fund share/unit valuations. Paper copies of the investment related information available on the participant website can be obtained at no cost by contacting Empower Retirement at: Empower Retirement P.O. Box 173764 Denver, CO 80217-3764 Participant Call Center: 833-752-6854 (833-PLANUKG)

SECTION Document Summary Investment Rate of Return Information - Shows investment return information for your Plan's investment options. It shows past performance and comparisons to the performance of a comparable 1 benchmark over 1, 5 and 10 year periods or since inception if the investment option's inception date is less than 10 years. Investment-Related Fees, Expense Information, and Transfer Restrictions - Shows fees and 2 expenses associated with the investments in your Plan. This section also shows any investment restrictions. Plan-Related Information - Shows your Plan related information and the General Administrative Services Expenses and Participant Elected Services Expenses tables. The General Administrative 3 Services Expenses table shows non-investment expenses that pay for operating your Plan. The Participant Elected Services Expenses table shows expenses for optional services available through your Plan that may be charged to your individual account for the services you use.

1 – Investment Rate of Return Information

Variable Rate of Return Investments Table This table looks at the rates of return from investments that increase and decrease in value. The table shows how these investments have performed over time. You can compare each investment option to a 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. In addition to the web addresses listed in the table, more information about the investments in your Plan including an investment option’s principal risks is available on the participant website listed in the title.

Variable Return Investments Average Annual Total Return Benchmark** Investment Option as of 01/31/2021 as of 01/31/2021 1yr. 5yr. 10yr. Since Inception 1yr. 5yr. 10yr. Since Inception Asset Allocation FIAM Index Target Date 7.05% 5.87% 4.34% * 7.89% 6.63% 5.37% * Income Y2 S&P Target Date Retirement Income TR USD institutional.fidelity.com

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 1 of 7 Average Annual Total Return Benchmark** Investment Option as of 01/31/2021 as of 01/31/2021 1yr. 5yr. 10yr. Since Inception 1yr. 5yr. 10yr. Since Inception FIAM Index Target Date 7.80% 6.95% 5.29% * 9.13% 7.48% 6.03% * 2005 Y2 S&P Target Date 2010 TR USD institutional.fidelity.com FIAM Index Target Date 9.26% 8.05% 6.20% * 9.13% 7.48% 6.03% * 2010 Y2 S&P Target Date 2010 TR USD institutional.fidelity.com FIAM Index Target Date 10.71% 9.13% 6.80% * 9.64% 8.19% 6.63% * 2015 Y2 S&P Target Date 2015 TR USD institutional.fidelity.com FIAM Index Target Date 12.09% 9.95% 7.29% * 9.76% 8.80% 7.13% * 2020 Y2 S&P Target Date 2020 TR USD institutional.fidelity.com FIAM Index Target Date 13.05% 10.68% 7.98% * 11.07% 9.71% 7.71% * 2025 Y2 S&P Target Date 2025 TR USD institutional.fidelity.com FIAM Index Target Date 14.16% 12.05% 8.64% * 12.11% 10.51% 8.23% * 2030 Y2 S&P Target Date 2030 TR USD institutional.fidelity.com FIAM Index Target Date 15.99% 13.25% 9.38% * 13.35% 11.30% 8.72% * 2035 Y2 S&P Target Date 2035 TR USD institutional.fidelity.com FIAM Index Target Date 17.28% 13.58% 9.56% 6.97% 14.23% 11.86% 9.07% * 2040 Y2 S&P Target Date 2040 TR USD institutional.fidelity.com FIAM Index Target Date 17.25% 13.58% 9.61% * 14.68% 12.20% 9.30% * 2045 Y2 S&P Target Date 2045 TR USD institutional.fidelity.com FIAM Index Target Date 17.28% 13.58% 9.60% 7.00% 15.00% 12.47% 9.49% * 2050 Y2 S&P Target Date 2050 TR USD institutional.fidelity.com FIAM Index Target Date 17.26% 13.58% N/A 9.68% 15.02% 12.61% N/A 9.66% 2055 Y2 S&P Target Date 2055 TR USD institutional.fidelity.com FIAM Index Target Date 17.34% 13.60% N/A 9.76% 15.02% 12.61% N/A 9.14% 2060 Y2 S&P Target Date 2055 TR USD institutional.fidelity.com FIAM Index Target Date 17.25% N/A N/A 15.71% 15.02% N/A N/A 13.64% 2065 Y2 S&P Target Date 2055 TR USD www.fidelity.com International Funds American Funds 27.20% 13.53% 7.92% 10.47% 14.89% 11.46% 5.88% 9.22% EuroPacific Gr R62 Morningstar Global Markets ex-US GR USD www.americanfunds.com Fidelity Total 15.04% N/A N/A 8.85% 14.89% N/A N/A 9.20% International Index2 Morningstar Global Markets ex-US GR USD www.institutional.fidelity.com Small Cap Funds ClearBridge Small Cap 50.75% 24.70% 16.46% 14.30% 50.18% 22.39% 14.88% 13.38% Growth IS1,2 Morningstar US Small Growth TR USD www.leggmason.com Harbor Small Cap Value 17.54% 14.92% 11.58% 14.34% 22.96% 14.77% 11.19% 14.24% Retirement2 Morningstar US Small Cap TR USD www.harborfunds.com

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 2 of 7 Average Annual Total Return Benchmark** Investment Option as of 01/31/2021 as of 01/31/2021 1yr. 5yr. 10yr. Since Inception 1yr. 5yr. 10yr. Since Inception Mid Cap Funds Fidelity Extended Market 36.67% 18.86% 13.34% 15.42% 18.90% 15.76% 12.70% 14.49% Index2 Morningstar US Mid Cap TR USD www.institutional.fidelity.com Large Cap Funds Diamond Hill Large Cap 9.73% 13.44% 11.65% 12.85% 1.48% 10.39% 9.41% 10.51% Y2 Morningstar US Large Value TR USD www.diamond-hill.com 17.24% 16.15% 13.49% 13.27% 19.87% 17.08% 13.99% 13.79% Fidelity 500 Index2 Morningstar US Large Cap TR USD www.institutional.fidelity.com T. Rowe Price Blue Chip 29.91% 21.78% 17.37% 19.06% 33.15% 21.98% 17.12% 19.81% Growth I1,2 Morningstar US Large Growth TR USD www.troweprice.com Bond BlackRock Total Return 6.55% 4.79% 4.79% 4.84% 5.01% 4.51% 4.07% * K2 Bloomberg Barclays US Universal TR USD www.blackrock.com 4.88% 3.99% 3.73% 3.64% 4.72% 4.00% 3.75% 3.65% Fidelity US Bond Index2 Bloomberg Barclays US Aggregate Bond TR www.institutional.fidelity.com Stable Value Putnam Stable Value 2.39% 2.17% 2.14% 4.20% 2.80% 2.11% 1.58% * Fund1,2 Bloomberg Barclays US Government/Credit www.putnam.com/dcio/erisa Money Market Vanguard Federal Money 0.32% 1.09% 0.56% 4.03% 0.26% 1.17% 0.61% * Market Inv1,2 USTREAS Treasury Bill Auction Average 3 www.vanguard.com Dreyfus Government 0.24% 1.04% 0.52% 3.44% 0.26% 1.17% 0.61% * Cash Mgmt Instl1,2 USTREAS Treasury Bill Auction Average 3 www.dreyfus.com Please note that if an investment option has not been in existence for 10 years, a "Since Start/Inception Date" return will be displayed. If the investment option has been in existence for 10 years or more, a "10-Year" return will be displayed. Returns shown for the corresponding benchmark are for the same time period as the investment option.

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC registered products or disclosure document for unregistered products, if available, containing this information. For prospectuses related to investments in your self-directed brokerage account (SDBA), contact your SDBA provider. Read them carefully before investing. 1 Additional information on this Investment Option can be found in Section 2. 2 Investment Funds. The start date may be that of the fund's original share class. If your Plan offers a different share class of the fund with a more current start date, the performance returns have been adjusted to reflect the fees and charges associated with the actual share class. * Performance returns not available at time of production. N/A - Performance returns are not applicable. ** A benchmark index is not actively managed. It does not have a defined investment objective and does not incur fees or expenses. You cannot invest directly in a benchmark index.

2 – Investment-Related Fees, Expense Information, and Transfer Restrictions

Investment-Related Fees, Expense Information and Transfer Restrictions This table looks at fees, expenses and transfer restrictions associated with the investments in your Plan. Fees and expenses are only two of many things to consider when deciding to invest. You may also want to think about whether an investment in a particular investment option, along with your other investments, will help you reach your financial goals.

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 3 of 7 Fees, Expenses and Restrictions as of 02/23/2021 Gross/Net Gross Per Transfer Shareholder Type Fees^ Total Annual $1000 Rule Investment Option Operating Expenses As a %~ Asset Allocation 0.06%/ $.60 per FIAM Index Target Date Income Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2005 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2010 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2015 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2020 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2025 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2030 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2035 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2040 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2045 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2050 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2055 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2060 Y 0.06% $1,000 0.06%/ $.60 per FIAM Index Target Date 2065 Y 0.06% $1,000 International Funds 0.46%/ $4.60 per American Funds EuroPacific Gr R6 0.46% $1,000 0.06%/ $.60 per Fidelity Total International Index 0.06% $1,000 Small Cap Funds 0.78%/ $7.80 per ClearBridge Small Cap Growth IS 1 0.78% $1,000 0.80%/ $8.00 per Harbor Small Cap Value Retirement 0.80% $1,000 Mid Cap Funds 0.05%/ $.46 per Fidelity Extended Market Index 0.05% $1,000 Large Cap Funds 0.55%/ $5.50 per Diamond Hill Large Cap Y 0.55% $1,000 0.02%/ $.15 per Fidelity 500 Index 0.02% $1,000

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 4 of 7 Gross/Net Gross Per Transfer Shareholder Type Fees^ Total Annual $1000 Rule Investment Option Operating Expenses As a %~ 0.56%/ $5.60 per T. Rowe Price Blue Chip Growth I 2 0.56% $1,000 Bond 0.38%/ $3.80 per BlackRock Total Return K 0.37% $1,000 0.03%/ $.25 per Fidelity US Bond Index 0.03% $1,000 Stable Value 0.34%/ $3.40 per Putnam Stable Value Fund 3 0.34% $1,000 Money Market 0.11%/ $1.10 per Vanguard Federal Money Market Inv 3 0.11% $1,000 Dreyfus Government Cash Mgmt 0.21%/ $2.10 per 4,5 Instl 0.21% $1,000

Rule #1 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days. Rule #2 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days. Rule #3 - Transfers into a competing fund might be restricted due to Equity Wash restriction for 90 days after the last transfer out of this fund. Please contact your plan sponsor if you have any questions. Rule #4 - Dollar Cost Average and/or transfers into this fund may be prohibited. Please contact your plan sponsor if you have any questions. Rule #5 - This fund is not allowed as part of a transfer into a Rebalancer. Please contact your plan sponsor if you have any questions. ~ Gross Total Annual Operating Expenses are the gross fees potentially charged to the investment option and are displayed above in accordance with fee disclosure regulations. The Net Total Annual Operating Expenses, also displayed above as supplementary information, are the actual amounts charged by the investment option and may be different from the Gross Expenses due to certain fee waivers or additional expenses charged by other service providers. Expenses reduce the return of the investment option. Part of these fees may be shared with the plan's service providers to help pay for plan administration and/or recordkeeping fees. Part of these fees may be shared with the plan's service providers and, under an agreement with the applicable plan fiduciaries, may be used to help pay for plan administration and/or recordkeeping fees. The plan's fiduciaries may make changes to the plan's investments at any time subject to applicable notice requirements. Please see the participant website for more information. Please note that any Asset Allocation Models listed above are not separate investment options and that Gross/Net Total Annual Operating Expenses are not separately calculated for the Models. The annual expense information provided for any Asset Allocation Model in table 2 above is for informational purposes only and is determined by adding together the weighted percentage of the Total Annual Operating Expenses (Gross and Net) of each of the Plan’s investment options utilized in the Asset Allocation Models. For information on the investment options and allocation strategies of each Asset Allocation Model, if applicable, please visit the plan’s website or contact the Participant Call Center. ^ Shareholder/Shareholder-Type Fees are fees paid directly from your investment in this option (e.g., sales loads, sales charges, deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees). NOTE: More current information about the Plan's investment options, including fees, expenses and performance updates, may be available on the participant website listed in the title. 3 – Plan-Related Information This section provides general Plan information, including a description of non-investment management fees and expenses that may be charged to your account. This section also includes information on General Administrative Services Expenses and Participant-Elected Services Expenses. Blank fields in the table below can be assumed to be not applicable or zero. If there is no General Administrative Services Expenses table displayed there are no General Administrative Services fees paid by you for your Plan.

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 5 of 7 General Information Non-Investment Management Fees and Expenses: Includes recordkeeping, accounting, legal, consulting or other administrative fees that may be charged to your account. The dollar amount actually charged to your account during the previous quarter for such administrative or individual expenses will be reported to you on your quarterly statement. If you have additional questions related to fees on your account, please contact the Participant Call Center at the number listed on the first page of this document. Investment Instructions: Your Plan lets you direct the investment of your account in the investment options listed in Section 1. You may make changes to your investment options via the participant website or by calling the Participant Call Center during normal business hours at the number listed on the first page of this document. Limitations on Investments: Limits on making changes to your investment choices may be imposed by the Plan Sponsor or by a manager of an investment option. Any limits or restrictions made by a fund manager are described in the prospectus for the fund. They include restrictions intended to prevent “market timing” (i.e., rapid trading in and out of a fund). In addition to the limits and restrictions described in the prospectus, the Plan Sponsor may have other restrictions on making changes to your investment choices. These restrictions are included in the table in Section 2. For more information on investment restrictions in your plan, contact the Participant Call Center at the number listed on the first page of this document. Voting, Tender, and Similar Rights: Certain investments in your account may give you the opportunity to vote on proposals or tender offers. If and when such opportunities happen, you will receive a notice with the instructions on how to vote on the proposals and take advantage of what is being offered as applicable. Your elections and information regarding the investments in your account are kept confidential and will not be revealed except as required by law. Plan Sponsor intends for this plan to be compliant with section 404(c) of the Employee Retirement Income Security Act, and 29 CFR 2550.404c-1. Fiduciaries of the Plan may be relieved of liability for any losses which are the direct result of investment instructions given by participants or beneficiaries. General Administrative Services Expenses Table This table shows expenses that pay for operating the Plan. These expenses are described below. Fees and expenses for general plan administrative services (for example, recordkeeping services and custodial services) may be charged to the Plan. These fees and expenses may be charged to your individual account to the extent not paid by the Plan Sponsor, deducted from other Plan assets (such as the Plan's forfeiture account) and/or included in investment-related fees and expenses. How the expenses are charged to participant accounts will depend on the nature of the expense. For example, some fees may be charged as a fixed dollar amount per participant or as a percentage amount spread across the account balances, as determined by the Plan Sponsor. The amount of any general plan administrative expenses actually deducted from your account will be reflected on your account statement. General Administrative Services Expenses as of 02/23/2021 Fee Type Annual Quarterly Frequency Description Amount Amount

Administrator Fees $53.04 $13.26 $4.42 Monthly This fee is used to pay for some or all of the plan's general administrative expenses which may include costs for recordkeeping, advisory, legal and accounting services.

Participant Elected Services Expenses Table This table shows expenses for optional services available through your plan. Certain fees may be charged to your individual account for optional services you use.

Participant Elected Services Expenses as of 02/23/2021 Service Fee Amount Frequency Description Participant Loan This fee is associated with originating a loan through your company's $75.00 Per Distribution (Origination) retirement plan.

Loan Maintenance Fee $6.25 Quarterly This flat fee covers the annual maintenance of your existing loan and is deducted from your account balance each quarter. If you have more than one loan, you will be assessed the fee for each outstanding loan. WIRE Special Handling $40.00 Per Distribution Wire Charge Charge ACH Special Handling $15.00 Per Distribution ACH Charge Charge EXPRESS Special $30.00 Per Distribution Express Delivery Charge Handling Charge

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 6 of 7 Service Fee Amount Frequency Description This fee only applies if you request a QDRO distribution/withdrawal and Domestic Qualified $300.00 Per Occurrence covers the cost of reviewing and processing a Qualified Domestic Relations Order Services Relations Order and is charged once per review request.

Your Plan may charge fees related to certain approval (e.g., Domestic Relations Orders, hardship withdrawals, etc.) or other (e.g. advisory) services. For further information regarding these potential fees, please contact the Participant Call Center at the number listed on the first page of this document. Your Plan may also charge general administration fees related to the delivery of plan communications. In such event, a fee may be deducted from your individual plan account on a per communication basis or on a quarterly or annual basis. The cost per communication is generally between $2 to $3. Fees and expenses do add up over time and can substantially reduce the growth of your retirement savings. Fees and expenses are only two of several factors to consider when you make investment decisions. You can visit the Department of Labor's website for an example showing the long-term effects of fees and expenses at https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-retirement- plan-fees. Visit the participant website listed in the title for a "Glossary of Investment Terms" relevant to the investment options under your Plan.

DOC_TYPE: FEEDSP_STD 01:060716 IN02 GP34 DOC ID: 500114369 EV ID: IND ID: Page 7 of 7 Qualified Default Investment Alternative 150572-01 UKG Retirement Savings Plan ukg401k.com This Qualified Default Investment Alternative (QDIA) notice gives you important investment information related to your account under the UKG Retirement Savings Plan (the Plan). You should read this notice very carefully to understand how your Plan account assets will be invested if you do not make an investment election for all or any portion of your account. The Plan lets you invest your account in a number of different investment funds. Unless you choose investment fund(s), your Plan account will be invested in the following investment fund(s): Investment Fund: Birth Year FIAM Index Target Date Income Y 1900 to 1937 FIAM Index Target Date 2005 Y 1938 to 1942 FIAM Index Target Date 2010 Y 1943 to 1947 FIAM Index Target Date 2015 Y 1948 to 1952 FIAM Index Target Date 2020 Y 1953 to 1957 FIAM Index Target Date 2025 Y 1958 to 1962 FIAM Index Target Date 2030 Y 1963 to 1967 FIAM Index Target Date 2035 Y 1968 to 1972 FIAM Index Target Date 2040 Y 1973 to 1977 FIAM Index Target Date 2045 Y 1978 to 1982 FIAM Index Target Date 2050 Y 1983 to 1987 FIAM Index Target Date 2055 Y 1988 to 1992 FIAM Index Target Date 2060 Y 1993 to 1997 FIAM Index Target Date 2065 Y 1998 or later

FIAM Index Target Date 2005 Y Investment Objective & Strategy

The goal of Fidelity's target date strategies is to help participants maintain their standard of living in retirement by balancing risk and reward throughout their lifetime. Fidelity establishes an income replacement goal equal to 72% of an individual's final preretirement salary as the income needed to maintain a similar lifestyle. Our target date funds are designed to benefit a broad range of investors with varying savings patterns and income replacement needs. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a preference for Gross: 0.06% some principal security and income but also willing to take some risk to achieve higher Net: 0.06% potential returns. The investor may be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 1 of 7 FIAM Index Target Date 2010 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a preference for Gross: 0.06% some principal security and income but also willing to take some risk to achieve higher Net: 0.06% potential returns. The investor may be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. FIAM Index Target Date 2015 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone willing to take some risk Gross: 0.06% to achieve higher potential returns but also seeking income as a secondary objective. Net: 0.06% The investor may be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 2 of 7 FIAM Index Target Date 2020 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone willing to take some Gross: 0.06% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.06% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. FIAM Index Target Date 2025 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone willing to take some Gross: 0.06% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.06% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. FIAM Index Target Date 2030 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone willing to balance the Gross: 0.06% risk of principal fluctuation with the potential for greater capital growth over time. The Net: 0.06% investor may have a medium investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 3 of 7 FIAM Index Target Date 2035 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone willing to balance the Gross: 0.06% risk of principal fluctuation with the potential for greater capital growth over time. Net: 0.06% The investor may have a medium investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. FIAM Index Target Date 2040 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a high priority Gross: 0.06% for capital growth and willing to accept a greater degree of risk. The investor may Net: 0.06% have a medium to long investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. FIAM Index Target Date 2045 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a high priority for Gross: 0.06% capital growth and willing to accept a greater degree of risk. The investor is comfortable Net: 0.06% with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 4 of 7 FIAM Index Target Date 2050 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone seeking capital Gross: 0.06% growth and willing to accept a greater degree of risk. The investor may have a Net: 0.06% long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. FIAM Index Target Date 2055 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a high priority Gross: 0.06% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.06% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. FIAM Index Target Date 2060 Y Investment Objective & Strategy

Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a high priority Gross: 0.06% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.06% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 5 of 7 FIAM Index Target Date 2065 Y Investment Objective & Strategy

Seeks active return until the target retirement date. Thereafter, the objective is capital preservation. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone with a high priority Gross: 0.06% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.06% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. FIAM Index Target Investment Objective & Strategy Date Income Y Research is the foundation of our Target Date strategies and we believe research will help us to continue to innovate our capabilities and identify investment opportunities. Our research team is organized by functional responsibilities that tie directly to the Target Date investment process: strategic asset allocation, active allocation and fundamental research, which creates alignment. Our process emphasizes institutional standards, repeatability, and transparency, which we believe leads to superior long- term performance and outcomes for our target date strategies. Fund Investment Risk and Return Profile Expense as of 01/31/2021 This investment option may be most appropriate for someone whose highest priority Gross: 0.06% is principal security and is willing to accept lower potential return. The investor may Net: 0.06% be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. If you do not direct the investment of your account, your account will be invested in a Plan QDIA as determined by the Plan Administrator or other designated Plan investment fiduciary. Participant accounts are directed into a Plan QDIA based on information reflected in the Plan's records, including, but are not limited to, anticipated retirement date, date of birth initially received at the time of default and/or risk profile, as applicable. Should you have further questions regarding the QDIA investment fund selection process, please contact your Plan Administrator. More detailed information about the investment funds may be available in the prospectus, if applicable, which you can get by logging onto the Plan web site. In addition, you can find out more about the Plan in other documents, including the Plan's Summary Plan Description (SPD) and any Summary of Material Modifications (SMM). You can change how your Plan account is invested, among the Plan's offered investment funds, by either: • logging onto the web site ukg401k.com and following the online instructions, or • by accessing your account using the automated phone system 833-752-6854 (833-PLANUKG). To learn more about the Plan's investment funds and procedures for changing how your Plan account is invested you can call 833-752-6854 (833-PLANUKG) or visit ukg401k.com. Also, you can contact your employer's Plan Administrator. Please consider the investment objectives, risks, fees and expenses carefully before investing. The prospectus contains this and other information about the investment options. Depending on the investment options offered in your plan, your registered representative can provide you with prospectuses for any mutual funds; any applicable annuity contracts and the annuity's underlying funds; and/or disclosure documents for investment options exempt from SEC registration. Please read them carefully before investing. Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by their respective owners and are used by permission. Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period.

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 6 of 7 Not a Deposit. Not FDIC Insured. Not Bank Guaranteed. Funds May Lose Value. Not Insured by Any Federal Government Agency. Although data is gathered from reliable sources, including but not limited to Morningstar, Inc., the completeness or accuracy of the data shown cannot be guaranteed. Where data obtained from Morningstar, ©2018 Morningstar, Inc. All rights reserved. The data: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. ©2019 Great-West Life & Annuity Insurance Company. All rights reserved. RO719444-0219

DOC_TYPE: QDIANT_STD 01:091018 IN02 GP00 DOC ID: 499966662 EV ID: IND ID: Page 7 of 7 Empower Brokerage fee schedule

Please read carefully This schedule contains information about the fees and charges that apply to Empower Brokerage accounts and transactions. Please note that fees and other information are subject to change without notice. Securities may not be available through all electronic trading channels. All investments may not be available based on a plan’s rules and restrictions. The Empower Brokerage account is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments available through the account.

Electronic Broker assisted No transaction fee (NTF) mutual funds: $0 $0 Load and no-load1

Transaction fee mutual funds: $25 per buy or sell; $5 per exchange $25 per buy or sell; $5 per exchange Load and no-load2

Equities and exchange-traded fund(s)3 $0 $19.99

Certificates of deposit (CDs) N/A $0

Fixed income: Corporate and agency bonds N/A $20

Treasury auctions: Bills, bonds, notes, strips N/A $20

$19.99 plus $0.65 per contract; $0 on Options trades4 $0 plus $0.65 per contract option assignments and exercises

Orders executed over multiple days may result in separate transaction fees for each trading day. Regulatory and American depositary receipt (ADR) fees as well as financial transaction taxes are separate and in addition to the posted commission.

Brokerage account services Physical certificate safekeeping $10 per position per month

Reorganization — mandatory5 $10 per event

Reorganization — voluntary5 $50 per event

Legal or restricted security transfers $135 per transfer empower-retirement.com

1 Funds held 30 days or less may be subject to a short-term redemption fee of $50. An initial minimum purchase of $500 and subsequent minimum purchase of $1 applies to all NTF transactions. 2 Transactions in certain funds may result in an additional $10 surcharge, which will be displayed on the order preview screen before an order is placed. Please contact your service representative to learn which mutual fund transactions may result in the surcharge. The $10 surcharge plus the $25 transaction fee are not charged on periodic investments. Please contact your service representative for more details. 3 Although these securities are available commission-free, upon selling, regulatory fees will still apply. 4 Options are not available for all investors. 5 Reorganizations may include stock splits, spin-offs, mergers, tender offers or other corporate events.

Securities available through Empower Brokerage are offered by GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company. Clearing, settlement, custody and other brokerage services are provided by Pershing LLC, Member FINRA/NYSE/SIPC and a wholly owned subsidiary of The Bank of New York Mellon Corporation. Additional information may be obtained by calling 877-788-6261. GWFS and Pershing are separate and unaffiliated brokerage firms. Accounts are subject to review and approval of GWFS. GWFS Equities, Inc. may receive a fee from mutual fund companies participating in the Empower Brokerage service, for providing certain distribution, administrative, and shareholder services. Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Be aware that certain mutual funds may be subject to separate and additional redemption fees imposed by the particular fund. Refer to that fund’s current prospectus for details. Transaction fees may apply to certain mutual funds. Transaction fees, where applicable, will be noted during online order entry or via your registered representative during broker-assisted trades. ETFs are a type of exchange-traded investment product that must register as either an open-end investment company (generally known as “funds”) or a unit investment trust. ETFs are not mutual funds. Real-time quotes are available when the markets are open. Trades placed when the markets are closed will be submitted during the next trading session when the markets are open. System availability and response times may vary due to market volatility, system performance or other factors. Be aware that certain mutual funds may be subject to separate and additional redemption fees imposed by the particular fund. Refer to that fund’s current prospectus for details. Transaction fees may apply to certain mutual funds. Transaction fees, where applicable, will be noted during online order entry or via your registered representative during broker-assisted trades. Options trading may increase the risk of principal loss and is not suitable for all investors. Brokerage Products: Unless otherwise noted: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE ©2020 Empower Retirement, LLC. All rights reserved. GEN-FLY-WF-250971-1220(837785) RO1418980-1220