WORK STOPPAGE READY: AS EASY AS ABC With a work stoppage on the horizon, players should be prepared for:

Loss of Loss of Health Increased Loss of Camaraderie Income Insurance Training Costs and Structure

With a proper game strategy we can get ahead and ease the impact. It’s as easy as:

A ADJUST B BUDGET C CUT DO THIS NOW

● Adjust short-term focus and keep ● SAVE! Set aside half of each ● Cut all non-mortgage debt by savings accessible paycheck. the end of the 2020 season ● Review investments to make sure ● Hold off starting new business ● Find ways to reward yourself they match your risk tolerance ventures that don’t involve spending ● Tell friends and family that your ● Work with your financial advisor money help and support may be put on or coach on these budget ● Postpone any new major hold changes purchases ● Connect with a financial advisor or coach for help

AS YOU APPROACH 2020

● Find health care options; use your ● Find ways to trim spending ● Create a fund to cover any loans spouse’s or parent’s if under 26 you are committed to ● Build your resume for life after ● Get creative with housing costs: If football: Consider completing your ● Build connections in industries you have extra space, rent through degree or an internship you would like to work with Airbnb or to other players ● Work out with other teammates ● Cut ties with business ideas that and negotiate cheaper gym rates are draining your funds

RESOURCES

Take your Risk tolerance Use your Pocket Playbook Use your debt blaster assessment: calculator: calculator: goff.im/2RYx5Ab goff.im/2G7WGQg goff.im/2RjEXXW

CALL YOUR FINANCIAL ADVISOR And most importantly, if you have any OR FINANCIAL COACH questions or need help adjusting spending, budgeting for a work stoppage, or cutting 877-258-2129 debt: Monday - Friday • 9 am - 8 pm ET WORK STOPPAGEguide #EXPIRATIONISCOMING #STAYREADY

“As president, I’m charged with getting “It’s important for the veterans to step our men ready. That means educating up and tell those guys who weren’t in all of us on what a work stoppage the NFL back in 2011 that the business looks like and showing the league that of football is serious, a work stoppage we as players are ready for whatever is serious and the best thing that any comes our way.” of us can do is stay ready.”

Eric Winston, NFLPA President Michael Thomas, NFLPA Vice President/

“Our players union is at its strongest “Why do we need to prepare for a work when we are prepared as a unit. stoppage? Because it happened before Don’t rely on your agent, your team in 2011, the same year I was drafted. or anyone else. Get informed and get I realized then and I especially know ready. Solidarity is our best weapon now the importance of being ready for in fighting for what we deserve as anything in this league.” players at the bargaining table.”

Richard Sherman, NFLPA Vice President/ Thomas Morstead, NFLPA Vice President/ New Orleans Saints preamble TO THE NFLPA CONSTITUTION

We, The Players Association...

Pay homage to our predecessors for their courage, sacrifice, and vision; Pledge to preserve and enhance the democratic involvement of our members; Confirm Our Willingness to do whatever is necessary for the betterment of our membership - to preserve our gains and achieve those goals not yet attained. 01 Your Money 02 Your Benefits 03 Contract Negotiations 04 Player Programs 05 Drug Policies 06 Media 07 Off-Field Revenue Opportunities 08 Public Policy 09 Work Stoppage Fund FAQ 01 your money 01 your money YOUR MONEY

The only economic certainty we have is there will always be economic uncertainty.

Whether you are preparing for a work stoppage or your second career, you should have a plan in place to manage the financial transition. One good rule of thumb is to follow the ABCs:

• Adjust • Budget adjust• Cut

• Make changes to your finances that are focused on the short term and will help build your savings.

• Modify your lifestyle. • Don’t go out to eat as much. Instead, try cooking at home. • Cancel unused subscriptions, like music and video streaming services, gym memberships and shopping apps. • Implement a “no spending day” once a week. • Use our Pocket Playbook to cut unnecessary expenses from your budget (nflpa.com/calc).

• Review your investments. Your investments should match your risk tolerance. If you are concerned about losing money, be sure that your advisor does not have you invested in risky stocks.

• Manage the expectations of friends and family members. • Make a “friends and family policy” statement to govern when/ how much you will give when someone asks you for money. • JUST SAY “NO” - or if you have trouble saying no, then say “not now.” Don’t let outside requests wreck your budget. • Do not co-sign any loans! • Make arrangements now for child support and/or alimony that will allow you to temporarily reduce payments should you lose income during a work stoppage. Consult a family attorney.

Disclaimer: Material included is for informational purposes only and is not intended to substitute for obtaining professional advice. adjust(cont).

• Continue to make child support and/or alimony payments. If you cannot afford the full child support or alimony (also called spousal support), politely explain your situation to the other person and hopefully you can agree on a partial payment plan. Document any agreement in writing (preferred) or through saved text messages.

• Consider asking the court for a payment modification of alimony or child support. If you suffer an involuntary loss of employment and income (i.e., due to a work stoppage), the court may allow you to reduce your payments in the meantime. Be sure to review your state’s application for modification before spending thousands of dollars on an attorney.

• Get creative with housing costs Finding renters for your unoccupied homes or bedrooms can generate extra income and offset the mortgage for that house.

• Work with a fnancial advisor to check on your goals and investment strategies. • Make sure you know how much you are being charged and what services are being provided by your financial advisor. If you do not understand the terms of the agreement, then it’s unwise to do business with that financial advisor. If you feel your advisor’s service is too expensive, negotiate with him or her to reduce fees, at least for the duration of the work stoppage. • Obtain a clear explanation of your options. As a client, you are entitled to open, honest, and effective communication from your advisor about their philosophy and plans.

Disclaimer: Material included is for informational purposes only and is not intended to substitute for obtaining professional advice. 01 your money

BUDGET

Renting gives you freedom and flexibility so that Get a grasp on how much you are spending, on average, per you don’t have to worry about selling a home due month; then save enough money so that you have one year’s to unemployment. In addition, home repair and salary in the bank by the end of 2020. maintenance costs are covered by the landlord or rental leasing company. MONEY • Save at least half of each check, if not more. If your • Avoid signing a long-term lease on any rental property current expenses are too high to save this much, you that you rarely use. should look at ways to change your spending habits and If you still feel the need to rent another property, reduce financial commitments. consider a month-to-month lease that allows you the flexibility to leave on your terms. • Focus on short-term fnancial goals and keep money in an account that is accessible. BUSINESS • Instead of starting a new business venture, consider • Talk to your fnancial advisor about ways to minimize taking courses to learn more about your potential how much you owe in taxes. business interests.

HOME • Take care of essential repairs now. CARS If a major item in your home (i.e., heating system, A/C) is • Reduce your expenses and minimize costs. Delay purchasing or leasing a new car until after a new breaking down, act now. CBA is signed. Do not renew unnecessary current leases.

• Purchase a homeowners’ warranty. A home warranty is a renewable service contract that • Consider selling a car you have not driven in the past covers the repair or replacement of most appliances and six months. Put money from the sale in a savings account you can home system components at a lower cost. Be sure to easily access in the future. read the warranty to see what it may (or may not) cover.

• In the market for a new home? Consider renting CLOTHES instead. • Purchase only clothing and jewelry you need. Don’t purchase a new home until you have worked out a • Eliminate the personal shopping assistant, stylist, realistic plan for dealing with potential loss of income in and/or recurring clothing purchases. 2021. • Consider selling clothes you haven’t worn in over a

year on Poshmark, Thred-up or Tradesy.

Disclaimer: Material included is for informational purposes only and is not intended to substitute for obtaining professional advice.

CUT

Work to eliminate debt such as credit cards, personal loans and auto loans. Don’t have debt? Don’t take any on and don’t co-sign for loans!

• Cut all non-mortgage debt, including credit cards, by • Prevent mortgage default. the end of 2020. Consider the Union Plus Mortgage Program, which Credit cards have very high interest rates. Pay them offers a six-month, interest-free loan to cover mortgage down now, while you have money coming in. Also, make payments in the event of involuntary unemployment, sure you have the lowest interest rates possible to make such as a lockout, strike, disability or disaster. it easier to pay off your debts. Eligibility begins one year after obtaining your mortgage. Learn more at unionplus.org/benefits/home/mortgage- • Obtain a copy of your credit report and review it for financing-options-union-plus. inaccuracies or suspicious activity. You have one year of complimentary access to Identity • Unemployment mortgage insurance policies pay all or Guard – a credit management and identity theft part of a mortgage payment if you involuntarily lose detection tool. Identity Guard provides unlimited access your job. to your credit reports and scores from the three major Policies vary on how many mortgage payments are credit bureaus and public records. You also receive covered, but many policies will make six months’ worth of ongoing credit monitoring and periodic alerts that payments during a 12-month period. keep you aware of suspicious activities involving your Policies begin paying after a specified period of credit and bank accounts. Enroll at identityguard.com/ unemployment (usually 30 days). Generally, the policies nflplayers. don’t pay benefits if the borrower becomes unemployed within six months of getting the policy. • Get a line of credit while you’re still employed. Consider opening a home-equity line of credit just • Postpone any major purchases until after the new CBA. in case, but do not spend the money. Think of it as a resource available only for an extreme emergency. Failing • Refrain from using credit cards. to pay an equity line could mean losing your home. Remember, the more debt you accumulate, the higher your bills will be. • Renegotiate current loans or pay them off early. This may be an ideal time to trade in your car (for a less • Pay the minimum amount owed on credit cards. expensive one) or terminate your lease, especially if Ordinarily this is not a good practice, but if you need to you have multiple car notes. Check with your Financial during a work stoppage, paying the minimum will allow Advisor or Financial Coach to see what’s best for you. you to maximize your cash flow while maintaining a decent payment history. • Consider refinancing to a fixed rate. If you have an upcoming balloon payment (i.e., a larger- • Cut ties to business ideas that are draining your cash than-usual one-time payment at the end of a loan) or flow. mortgage that is resetting to a higher rate, consider refinancing. With interest rates relatively low, fixed- rate mortgages afford you the stability of a guaranteed monthly payment amount for the life of your loan. Contact your bank or your Financial Advisor about refinancing.

Disclaimer: Material included is for informational purposes only and is not intended to substitute for obtaining professional advice. 01 RESOURCES your money

Financial Coach: Our partner Financial Finesse can provide you with free, unbiased financial information, tools, and guidance to navigate any financial crisis and become financially secure. Contact a Financial Coach at 877-258-2129 or visit financialfinesse.com/flc/nflpa to access the DebtBlaster and other financial tools.

The Pocket Playbook is an interactive budgeting tool and wealth forecaster. To set up a budget, estimate your future savings or set goals visit nflpa.com/calc.

Identity Guard is a credit management and identity theft protection platform that provides you access to all three credit bureau reports and scores. Enroll at identityguard.com/nflplayers.

Registered Player Financial Advisors: The NFLPA operates a program that registers financial advisors who meet established criteria and have agreed to undergo a vetting process. Contact a Registered Player Financial Advisor by visiting nflpa.com/ financialadvisors or contacting the NFLPA at 800-372-2000. 02 your benefits

your coverage 02 If a work stoppage occurs after the expiration of the current CBA in early March 2021, we expect your current your benefits healthcare plan to be suspended. It is imperative that you immediately consider insurance coverage options for any period when the NFL suspends healthcare coverage.

MEDICAL INSURANCE COBRA Health COBRA is a federal law that allows for continuation of health Reimbursement Account (hra) care where employees (players) can elect to pay a monthly The Gene Upshaw HRA is designed to reimburse you for rate to remain insured if their employer (NFL) suspends the payment of eligible expenses on your behalf or on behalf of group insurance. your spouse and dependents. You will be sent COBRA paperwork if the NFL gives notice Eligible players will be able to use the funds in their accounts that they will suspend health insurance coverage. Make for COBRA premiums and other qualified health care sure you complete the COBRA paperwork immediately. As expenses. long as you complete the COBRA paperwork and make the required monthly payments, your CIGNA health insurance will continue without interruption. The cost today for a player to continue his NFL player health insurance under COBRA is: FOR QUESTIONS RELATED TO BENEFITS, CONTACT:

Miki Yaras-Davis Senior Director of Benefits [email protected] medical per month dental per month (202) 756-9151

Bethany Marshall single $615 $34 Director of Benefits [email protected] 1 child only $429 $27 (202) 756-9154

2 children $984 $55 Chris Smith Assistant Director of Benefits 3 or more children $1,476 $82 [email protected] (202) 756-9152 2 adults (player + spouse) $1,230 $68

Adora Williams 1 adult + 1 child $1,107 $61 Senior Benefits Manager 1 adult + 2 children $1,599 $89 [email protected] (202) 756-9153 1 adult + 3 or more children $2,091 $116 Brian Francis 2 adults + 1 child $1,722.25 $96 Benefits Manager [email protected] (202)756-9155 2 adults + 2 children $2,214 $123

Zaire Sadiki 2 adults + 3 or more children $2,706 $150 Benefits Assistant [email protected] (202)756-9159 03 contract negotiations 03 contracts

STATUS OF CONTRACTS & CONTRACT NEGOTIATIONS

The current CBA expires in early March 2021, at the close of the 2020 league year. If a work stoppage occurs after the CBA expires, it is highly likely that the league would not permit clubs to engage in any negotiations of player contracts by club personnel with agents (or players).

If your contract extends beyond the 2020 league year, and a work stoppage occurs after the CBA’s expiration, the league will not permit you to perform any work activities under that contract during the work stoppage.

• For example, during the 2011 lockout, players were not allowed at team facilities, and injured players had to arrange their rehabilitation with non-team affiliated medical personnel away from the club facility.

The one part of the CBA that does not expire at the end of the 2020 league year is the 2021 NFL Draft.

• If a work stoppage occurs in 2021, it is likely that the NFL will once again conduct a draft, but not permit rookies to visit team facilities or sign an NFL contract as long as a a work stoppage is in place. • During the 2011 lockout, the NFL held a draft, but no rookies (drafted or undrafted) were allowed to visit team facilities or sign an NFL contract during the lockout.

FOR CONTRACT-RELATED QUESTIONS, CONTACT:

Mark Levin [email protected] (202) 549-8419 (202) 756-9177 04 player Programs invest in yourself PLAYER PROGRAMS: INVEST IN YOURSELF 04 player programs

This is the ideal time to invest in your development off the field and work towards those goals you’ve set. Expand your skill set; explore other careers, passions and interests; gain professional experience; and, build on your professional network. Ultimately, we want to make sure you get more out of this game than it gets out of you – and investing in yourself in the following areas is a step in that direction:

Continue Your Education Regardless of the stage of your playing career, a degree can be a valuable tool for your current and future endeavors. Need some guidance? Complete this form: nflpa.com/educationform

Gain Professional Experience Explore other careers and passions you have by setting up an internship experience or shadowing an executive to see if that job is right. Find out more about which opportunities are available to you: nflpa.com/externship

Build Your Network Use this time to build on your current professional relationships and network with people who can offer advice, information and/or contacts that could potentially help with future opportunities.

Develop Your Resume You have tangible skills, abilities and experience that translate well to a professional setting. All of this should be highlighted on a résumé and shared as you navigate various opportunities. AthLife can assist you with building your network and developing your résumé. Use the form to get started today: nflpa.com/prodevform

RESOURCES

• Why Continuing Education is Important: FOR QUESTIONS https://www.themuse.com/advice/schools-not-out-the- importance-of-continuing-education ABOUT PLAYER • 5 Ways to Find Your Passion: PROGRAMS, https://www.themuse.com/advice/5-ways-to-find-your-passion CONTACT: • Simple Ways to Master the Art of Networking Dior Ginyard https://businesscollective.com/simple-ways-master-art- Senior Player Manager networking/index.html [email protected] • Examples of Resumes for Professional Athletes https://www.jobhero.com/resume-samples/professional-athlete/ (240) 395-3619 (202) 756-9122 05 drug policies 05 WELLNESS drug policies counseling During a work stoppage, if you are in the Substances of Abuse (SOA) Program, you may not have access to resources that are normally provided (like counseling/ mental health professionals) or have the same health insurance to cover those costs. We want to keep providing you with first-class service regardless of the circumstances, so we will offer complimentary substance abuse programs and other counseling services. need help? See counseling contact info below to get connected with a clinician in your area. If you need in-patient care, we will put you in contact with a first-class facility at a discounted rate. All of your contact information is kept strictly confidential.

TESTING FOR PERFORMANCE ENHANCING SUBSTANCES (PES) AND SUBSTANCES OF ABUSE (SOA)

We don’t know if testing will continue during a work stoppage. If collections are suspended, they could resume at any time, so we urge you to act responsibly and take care of your body at all times. We will continue to provide you with updated information regarding supplements and banned substances, along with access to the Aegis Shield App.

FOR QUESTIONS FOR QUESTIONS RELATED TO RELATED TO ANY PERFORMANCE TYPE OF COUNSELING ENHANCING SERVICES, SUBSTANCES, CONTACT: CONTACT: Tyrone Allen Todd Flanagan, Counsel Professional Athletes Foundation Director [email protected] [email protected] (703) 624-9663 (202) 316-3310 (202) 756-9130 (202) 756-9166

06 media MEDIA 06 One Voice: Your mission as players during a work stoppage is to show solidarity. media

You as players are the public face of this sport. Your presence -- as well as our union’s presence -- in the media plays a vital role in the NFLPA’s overall strategy and efforts in negotiating a fair settlement. We won’t make progress if we appear divided. For the the most up-to-date information, be sure to monitor your email and follow all of the NFLPA’s social media platforms. @NFLPA

Refer to NFLPA-provided talking points for all media interviews and social media messaging. Get the facts straight from the source. Our union has the best data and Go to the media or use social media to information. stake positions on bargaining issues Work with your team Player Rep and Accept CBA-related media interviews do Player Director to correct wrong do without first educating yourself using information in your locker room and the facts provided by our union. that you see on public platforms (TV, not Provide agents, media or other third newspaper, social media) parties access to bargaining documents Contact your player director or NFLPA or information communications team for support (i.e. talking points, sharable social media content, etc.) HOW WE TALK ABOUT OUR GAME, OUR BUSINESS, OUR ISSUES

• NFL football has risks, and players take on all of the physical risks. • The average career is about 3 years. • Most players do not leave the game by choice. • More than ever before, we are in the process of understanding the long-term physical impact of playing football.

• The NFL is the most successful sport business, and NFL owners make tons of money. • The 32 teams of the NFL generated more than $14.5 billion in 2018. • The average NFL team is worth $3.57 billion – a 148% increase since 2011. • Advertising, viewership and attendance continued to grow in 2018. • Advertisers spent a record $3.7 billion on ad spots during games, according to Media Post. • 37 of the top 50 broadcasts on all TV were NFL games. • In 2018, the regular season games of all NFL teams were attended by a total of 17.1 million spectators. • The NFL secured an 82% revenue increase for its TV deals since 2011. • $6.7 billion of public money has been spent on new stadiums and renovations over the last two decades.

• NFL players want what is fair. • We care about using the time we have in this game to take care of our families and each other. • Our legacy is to make our game and our business better for players tomorrow than it is today. • Given the financial success of our game, we know that what we have asked for is fair.

FOR QUESTIONS RELATED TO MEDIA, CONTACT:

George Atallah Assistant Executive Director of External Affairs [email protected] (202) 269-2369 (202) 756-9109 06 media 07 off-field revenue opportunities 07 HOW DOES NFL PLAYERS INC. revenue SERVE YOU? opportunities

NFL Players Inc. (NFLPI) provides ways for active NFL players to make money off the field while building long-term financial stability for the the players of tomorrow. Group licensing ensures that you get paid any time a company wants to create a product using six or more NFL players’ names or images. The revenue generated by NFLPI fully finances your union’s operations and allows your dues to go to a “war chest” of funds available in case of a work stoppage.

• Licensing – Manages business entertainment, hospitality and of content over the last three development of apparel (i.e. engagement experiences that years. NFL jerseys), hard goods feature players and enhance the • Athlete Representation via (bobbleheads, etc.) and digital NFLPA brand. REP Worldwide – Represents products (like EA’s Madden • Player Services – Provides a other athletes, like US Women’s video game) as well as the use one-stop shop for paid player National Soccer Team and ofthe use of player names and appearances and endorsement WNBA players, in their images on licensed products. opportunities, identifying and marketing and licensing efforts. • Corporate Partnerships – facilitating more than 5,000 No one can support athletes Oversees relationship with deals each year. better than fellow athletes. all NFL sponsors, and drives • Content via ACE Media – • Venture Capital via OneTeam incremental revenue through Identifies and captures unique Collective – Allows early- new, sponsor-based business content opportunities (digital stage companies to access and opportunities. media, TV shows, etc.) for promote player images and • Marketing and Events – athletes, producing more than names in exchange for a stake in Creates and produces unique 2,000 athlete-centered pieces their business.

In the case of a work stoppage, NFLPI will be a critical asset for players for several reasons:

• Revenue creates leverage — • Uninterrupted and • Agreements with current The revenue stream provided diversified revenue streams NFL sponsors that will allow by NFLPI will help finance the from REP Worldwide’s them to continue working NFLPA’s efforts to defeat any work on behalf of other with players in the event of attempt by the owners to “wait athlete groups. work stoppage. out” the players during a work • Continued Business • Equity growth – Through stoppage. Development — NFLPI will OneTeam Collective, NFLPI • Financial support for NFL continue to aggressively pursue will continue securing deals Players: new deals for NFL players with early-stage companies • Player premium royalty collectively by leveraging and creating wealth for NFL payments will continue in group player rights and seeking players. the event of a lockout. individual opportunities for • Business as usual for the players. Efforts include: • Content opportunities and growth of ACE Media and

deals through ACE Media REP Worldwide, which

for players. means closing new deals that benefit players. What about off-field endorsements for the NFL or league sponsors?

• In the absence of a CBA, NFLPI • During a work stoppage, your team • Protect your rights. Do not and all NFL players are free to and the NFL no longer have any participate in anything you don’t pursue opportunities outside obligation to you. Similarly, you want to. of the NFL sponsor list for have no obligations to your team or endorsements, appearances or league requests. other opportunities.

What should you do? • Ensure all deals that you participate • Beware, the NFL has attempted to • If you are contacted by the league in should be facilitated through undercut your rights and destroy or an NFL sponsor, please contact NFLPI – NOT through the NFL, a our organization by creating NFLPI immediately. team or a sponsor. marketing and licensing entities for specific groups of players. Not only did this tactic fail, those players who cooperated with the NFL ended up losing money and opportunities.

FOR QUESTIONS RELATED TO BUSINESS AND LEGAL AFFAIRS, CONTACT:

Casey Schwab Vice President, Business and Legal Affairs [email protected] (310) 845-5554 (202) 572-7456

FOR QUESTIONS RELATED TO MARKETING OPPORTUNITIES, CONTACT:

Dexter Santos Vice President, Player Services [email protected] (404) 844-7348 (202) 572-7457 07 revenue opportunities 08 public policy 08 public policy

WHAT IS PUBLIC POLICY AND WHY SHOULD I CARE ABOUT IT?

Government actions that affect the general population are considered public policy. These policies can come from local, state or federal government, and can impact you as a professional athlete. Examples: Executive -- Presidential impact on national anthem policy; legalization of marijuana is decided by federal law. Legislative -- NFL concussion investigations. Judicial -- Court decisions about anti-trust exemptions; appeals cases between the NFLPA and NFL owners.

WHAT IS OUR PUBLIC POLICY MISSION?

The NFLPA strives to educate everyone involved in government, as well as the public, about the game and the business of football, and our efforts to make it more exciting and safe. We have garnered support for many different organizations along the way.

WHAT CAN YOU DO TO AFFECT PUBLIC POLICY?

The NFLPA has a Public Policy team that can provide you with ways to contact the people who create policy and execute laws. We monitor the activities of state, local and federal elected officials to ensure the interests of NFL players are protected. We also host receptions, “Hill Day” visits and one-on-one meetings with elected and government officials to give us the best opportunity to educate everyone about football. Let us know if you have relationships that we should be aware of or if you would like to participate in any of our activities.

FOR QUESTIONS RELATED TO PUBLIC POLICY, CONTACT:

Joe Briggs Public Policy Counsel [email protected] (202) 257-5349 (202) 756-9138 09 work stoppage fund faq 09 WORK STOPPAGE FUND: FAQ wsF faq

Q. What is the work stoppage fund? Q. How much can I expect to be paid out of the work A. In 2017, the NFLPA Board of Player Representatives stoppage fund? passed a resolution establishing that, starting in 2017, A. You will be paid the amount of money that you all future player royalty payments would be placed into contributed to the work stoppage fund through the holding a designated work stoppage fund (or “war chest”). The of your royalty payments. If you have not paid into the money in the work stoppage fund is being held in the event fund, you will not receive any payments. of a potential work stoppage, or until a player’s retirement. Q. How do I know if I’ve paid into the work stoppage Q. What can the money in the work stoppage fund be fund? used for? A. All equal share player royalty payments (i.e. Madden . The money held in the work stoppage fund serves as a A checks, etc.) have been deposited into the work stoppage savings plan for you, and can be used in any way you decide fund since the 2017 season. You earn a credited season once it’s distributed. If the NFL imposes a lockout or a by being on an active NFL roster for three or more games. strike occurs, it’s likely that the league will not cover any For every credited season you have since 2017, a royalty healthcare costs for you and your families. If that happens, payment was contributed to the fund on your behalf for you could use the money saved in the work stoppage fund that season. to cover health insurance premiums, as well as other basic living expenses, like mortgage or rent. These funds will protect you from being financially pressured into agreeing Q. If there is no work stoppage or the work stoppage to the NFL’s efforts to institute a new CBA that decreases ends before all the money in the work stoppage money going to players (salaries and share of overall fund has been paid out to players, will I still get any revenue). money out of the fund? Q. When will the money be paid to the players out of A. Yes, once the new CBA is approved, the Board will pay the work stoppage fund? you what remains in the fund based on the amount you contributed. A. If there is a work stoppage after the 2020 league year (the CBA expires on the last day of the 2020 league year, Q. Is there a tool or program available for me or my which occurs in early March 2021), the money in the work stoppage fund will be paid to you during the work stoppage family to assess my financial habits? in a manner determined by the NFLPA Board of Player A. Yes, to help you plan and manage your finances Representatives. If no work stoppage occurs, the funds will responsibly, especially in preparation for a work stoppage, be distributed as soon as a new CBA is approved. the NFLPA has partnered with Financial Finesse to provide resources tailored to you as an NFL player. Financial Finesse is available for all family members and can be accessed at https://secure.financialfinesse.com/flc/nflpa/.

FOR QUESTIONS RELATED FOR QUESTIONS FROM OR TO BUDGETING OR RELATED TO YOUR SPOUSE, EXPENSES, CONTACT: CONTACT:

Dana Shuler, Senior Director of Player Affairs Teri Smith, Chief Operating Officer (Acting) [email protected] [email protected] (202) 550-0343 (202) 297-2575 (202) 756-9137 (202) 756-9106

NFLPA EXECUTIVE COMMITTEE MARCH 2018 – MARCH 2020

Eric Winston, President , Vice Pres. lorenzo alexander, Vice Pres.

[email protected] [email protected] [email protected]

, Vice Pres. , Treasurer Thomas morstead, Vice Pres.

[email protected] [email protected] [email protected]

russell okung, Vice Pres. richard sherman, Vice Pres. michael thomas, Vice Pres.

[email protected] [email protected] [email protected]

adam vinatieri, Vice Pres. benjamin watson, Vice Pres.

[email protected] [email protected]

priest holmes, Former Players Board dewey mcclain, Former Players Board

[email protected] [email protected] 2018-20 NFLPA BOARD OF PLAYER REPRESENTATIVES

Arizona Cardinals Los Angeles Chargers Rep: Corey Peters, Alt: Justin Pugh Rep: Mike Pouncey, Alt: Austin Ekeler , Derek Watt , Justin Jones Alt: Josh Harris , Matt Bosher Rep: Todd Gurley, Alt: Johnny Hekker, Jake McQuaide Rep: , Alt: Rep: Kenny Stills , Alt: Johnny Denney Minnesota Vikings Rep: Patrick DiMarco, Alt: Micah Hyde, Dion Dawkins Rep: Adam Thielen , Alt: Kirk Cousins, Stephen Weatherly Alt: Greg Van Roten , Shaquille Thompson Rep: Matt Slater, Alt: Devin McCourty, Ted Karras , Chicago Bears New Orleans Saints Rep: Chase Daniel, Alt: Akiem Hicks , Rep: Craig Robertson, Alt: Demario Davis, A.J. Klein, Austin Carr New York Giants Rep: Vincent Rey, Alt: Clint Boling, Geno Atkins Rep: Nate Solder , Dalvin Tomlinson Rep: Jarvis Landry , Alt: Baker Mayfield , T.J. Carrie , Rep: Quincy Enunwa , Alt: , Sam Darnold , Doug Middleton J.C. Tretter Dallas Cowboys Oakland Raiders Alt: Byron Jones Will hold team election during team meeting in fall Rep: Brandon McManus , Alt: Chris Harris Jr., Ron Leary Rep: Malcolm Jenkins, Alt: Zach Ertz Rep: , Alt: Taylor Decker , Miles Killebrew , Jarrad Rep: Ramon Foster, Alt: Cameron Heyward, Vince Williams Davis San Francisco 49ers Rep: Aaron Rodgers, Alt: Mason Crosby Rep: Richard Sherman, Alt: Marquise Goodwin Alt: Brennan Scarlett , Greg Mancz Alt: K.J. Wright , Bobby Wagner Tampa Bay Buccaneers Alt: Andrew Luck, Clayton Geathers , Ryan Kelly Rep: Ali Marpet, Alt: Beau Allen , Lavonte David Rep: , Alt: Cody Davis Rep: Wesley Woodyard, Alt: Dennis Kelly , Logan Ryan Washington Redskins Rep: Dustin Colquitt, Alt: Patrick Mahomes Rep: Nick Sundberg, Alt: Jonathan Allen , Tress Way , Matt Ioannidis PLAYER DIRECTORS

Lester Archambeau [email protected] 202-679-2308 Teams: Atlanta, Chicago, Dallas, Denver, Houston, Pittsburgh

Tom Carter [email protected] 202-257-5402 Teams: Baltimore, Cincinnati, Jacksonville, Miami, Tampa Bay, Washington

Ernie Conwell [email protected] 202-294-1129 Teams: Green Bay, Minnesota, New Orleans, Seattle, Tennessee

Zamir Cobb [email protected] 202-341-4741 Teams: Buffalo, Cleveland, N.Y. Giants, N.Y. Jets, Oakland, Philadelphia

Andy Studebaker [email protected] 309-369-5012 Teams: Indianapolis, Kansas City, L.A. Chargers, L.A. Rams, New England, San Francisco