Be Good to Yourself

Your retirement savings plan enrollment guide.

Cajun Industries Holdings, LLC 401(k) Plan Dear Employee, Now’s a great time to make a plan for your future — and we have just the plan to help you get started today!

Being ready for retirement is mostly about saving—dollar by dollar, day by day. And then, when you’ve reached your savings goal and the time is right, you can confidently retire knowing you’re ready.

Your employer’s retirement savings plan is designed to help you make that journey. It’s an important benefit offered to you by your employer that gives you an easy and powerful way to save for your future. And after you enroll in the plan, you have access to the tools, education and support to help you stay on track and become more financially organized. Because when you understand your big financial picture, you’re in a better position to set realistic goals and plan confidently for all of life’s financial events, including retirement.

So keep reading to learn more about the benefits of saving through your employer’s retirement plan. Then, take the first step to be ready and enroll today.

If you have questions or would like more information about your retirement plan, please call (800) 584-6001 or log on to www.voyaretirementplans.com. Sincerely, Shawn Harrison CoSource Financial Group, LLC Phone: (877) 401k-911

You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options; or mutual funds/investment options offered through a retirement plan, carefully before investing. The prospectuses/ prospectus summaries/information booklets contain this and other information, which can be obtained by contacting your local representative. Please read the information carefully before investing.

Mutual funds offered through a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59½, an IRS 10% premature distribution penalty tax may apply. Withdrawals will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions, and when surrendered, the principal may be worth more or less than its original amount invested. 3019697.C.P-10 (03/18)_p1 your future good about deserve tofeel Because you online account access. Identification Number(PIN)mailerviaU.S. Mail. YouwillneedyourPIN touseVoya'sphoneservices andtoregisterfor After youenroll, youwillreceiveaconfirmation ofyourenrollmentelections andaseparateconfidential Personal Complete theenrollmentform includedinthisbook. By Form important planinformationanddisclosuresprovidedbyyour employer. Please note:ifyouchoosetoenrollbyphone,willbe askedtoverifyyouhavereviewedthisenrollmentbookletwiththe Call (888)311-9487,Monday–Friday,8a.m.9p.m.ET Phone Please besuretoreviewthedisclosuresin"ImportantInformation" sectionduringonlineenrollment. 3. Enterverificationnumber86000999 2. EnterplanNumber860009 1. Gotoenroll.voya.com Online Here’s howyoutakethefirststep: Not Enrolled?It’seasytogetstarted. to spendyourdays.Then,withourhelp,you’llgoaboutthebusinessofsavingforfuture. longer working.Considerthingslikehowcomfortableyou’dtobe,whereyouwantlive,and hope And itstartswhenyouenrollinaretirementsavingsplan.Askyourselfwherewanttobeyou’reno It’s uptoyou. been postponing?Startanewcareer?Orstayuplateandsleepin? your retirement?Willyouspendmoretimewithgrandkids?Takethattripyou’ve We allneedtoslowdownlongenoughthinkaboutourfuture.Howwillyouspend 1 You’re always in control Reasons The choices you make about your contributions and investments are up 1 to you. And you can easily make changes anytime online, on the phone to save or with the Voya Retire mobile app. The choices you make Save automatically today will help you Your contributions are automatically deducted from your paycheck, 2 so it’s simple to set a little aside each pay period. prepare for what you’ll need tomorrow. Help lower your taxable income Take advantage of your Every dollar you contribute before taxes reduces your taxable income, employer’s retirement 3 which means you may pay less in income taxes today. savings opportunities, and plan ahead for Invest your way the kind of future Would you prefer to make investment elections yourself or would you you envision. 4 appreciate having some guidance? How much investment risk are you willing to tolerate? No matter what you decide, we offer investment solutions that ﬁt your style.

Remember, your money is all yours Subject to your plan rules, what you contribute and any related 5 earnings are yours to take with you, even if you change jobs.

Employer Contribution Your employer may match 100% up to $1,000 & 50% of the next 6 $2,000 of the contributions you make to the plan. You may also receive profit sharing contributions from your employer.

2 3019697.C.P-10 (03/18)_p5 income amount Target savingsratesforretirementby clear pictureoftheretirementincomeyourcontributionscanhelpcreate. • Otherfinancialaccounts • Realestate • Pensionplan • SocialSecurity • Savingsinthisplan any financialsourcesavailabletoyouinretirementsuchas: your workingincomewhenyouretire.Thiswouldinclude Your goalshouldbetheabilitytoreplace70%ormoreof this ratewheneveryoucanovertime. depending onyourcurrentincome,andthenincrease To start,considerasavingsratebetween4%and12% There isnooneformulathatwillworkfor ev working careersforretirement.YoucanutilizemyOrangeMoney Most individualsshouldtargettosave10%–15%oftheirannualincomethroughout So whereshouldyoustart? and willdependontax bracket ineffectatthattime. This information isnotconsideredlegalortaxadvice. Ifyouneedlegal ortaxadvice, consult withalawyerortaxadvisor. as welldownmarkets. The illustration isnotintendedtoserve asfinancialadviceoraprimarybasis for yourinvestment decisions. Taxes aregenerally dueupon withdrawal fees wouldreducethe figuresshownabove. Systematicinvestingdoesnotensurea profit orguarantee againstloss. You should consider yourability toinvestconsistentlyinup payment oftaxesand doesnotintendtopredictinvestmentresults. The illustration doesnotincludefeesorexpenses thatan investment productcouldassess. Ifincluded, these retirement ageof65. This hypotheticalillustration isnot guaranteed anddoesnotreflect theperformanceofanyspecificinvestment option. Itdoesnottake intoaccount the The accumulatedamountsassume26payperiodsperyear, contributionsmadeat thebeginningofeachperiod, a6% annualrate of returncompoundedmonthly, anda contributes morepermonthforashorterperiod. someone whocontributesalesseramount for anextendedperiodandsomeonewho on anyearningsaredeferreduntiltheywithdrawn.Belowisacomparisonbetween back intoyouraccountwithoutbeingtaxedandcangeneratetheirownearnings.Taxes advantage ofcompounding.Compoundingmeansthatanyearningsoncontributions go Investing overalongerperiodoftimeintax-favoredaccountallowsyoutotake The earlier,thebetter From age45–65, From age25–65, I contributed $300/month. I contributed $100/month. A B SAVINGS TOTAL CONTRIBUTIONS TOTAL CONTRIBUTIONS TOTAL SAVINGS TOTAL eryone. eryone. $48,000 $72,000 $136,694

Annual Income (Salary) $120,000 $30,000 $60,000 $191,696

Range ofretirementsavingscontributionrates 4% %6 %1%12% 10% 8% 6% 4% ā Target rate(%)to start, byincome ® onlinetohelpgeta +$55,002 (from 4%to12%) the better. The sooneryoustart, less…More timetogrow! more whenhecontributes Person Aendsupwith 8% 12% 3 Already saving? Check your strategy. It’s a few simple steps that could potentially lead to a more secure future. Log in at www.voyaretirementplans.com.

Determine whether your savings are on track to support How much should you save?* your future retirement income needs. Log in to your account online and review your progress with the $140,000 ½ $15/week myOrangeMoney educational, interactive experience. $120,000 myOrangeMoney will show you how your current $100,000 ½$25/week retirement assets may translate into future potential $80,000 ½$35/week monthly income in retirement. $60,000 Check your personal information and make sure you have listed your beneﬁciary(ies). $40,000 Giving your savings a boost, even 1%, can mean a lot $20,000 over time. Take a look at the chart for an example of $0 the impact this could have. 10 years 20 years 30 years

* Assumes 6% hypothetical rate of return and contributions made at the beginning of each month. This illustration is hypothetical, is not guaranteed, and is not intended to reflect the performance of any specific investment. There is no assurance that increasing contributions will generate investment success. In addition, these figures do not reflect taxes or any fees or charges that may be assessed by the investments. The tax-deferred investment will be subject to taxes on withdrawal. Systematic retirement plan contributions do not ensure a profit nor guarantee against loss.

You’re never too far to call, click, or tap Your plan website and the Voya mobile app, Voya Retire, allow you to securely manage your retirement savings anytime, anywhere. You can make saving and investment changes, learn about ﬁnancial topics or just check on your progress toward your goals. And if you need help, we’re here for you!

See how your savings translates into estimated monthly retirement income with the myOrangeMoney educational, interactive experience or with the Voya Retire mobile app. You can model a variety of saving and investment scenarios, add outside income sources and explore how estimated healthcare costs in retirement might impact your income needs. When you’re ready to make a change, simply click the “Make Change Now” button to put your plan into action!

IMPORTANT: The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation. iPhone and the App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play is a trademark of Google Inc. 4 Choose the investment path that’s right for you. We all approach investing with different degrees of comfort and knowledge. That’s why choosing an investment approach – with just the right balance of support and guidance – can help you more confidently work toward your retirement goals. Guide me with a pre-defined Get there myself by choosing my investment strategy own investments If you want to keep your approach to investing simple, If you’re comfortable investing on your own and review what is available in a target-date fund. By confident managing your portfolio, you can build a selecting an investment based on the year you want to personalized investment strategy by picking funds from retire, you eliminate the guesswork of managing your the plan’s investment lineup. With a range of options to own investment mix. Professional investment managers choose from in a variety of asset classes, you can create do all the work by investing in a mix of funds in a variety an investment mix that balances the potential for return of asset classes guided by the number of years you have with your tolerance for risk. For help gauging your risk until retirement. And as your retirement date draws level, use the available quiz. near, your portfolio is rebalanced to move assets to more conservative investments. Want to learn more about your Your plan offers an investment advice service called plan’s investment options? Just AssetAllocationMadeEasier. Please call BRANDON BIENEK at 512-782-9017 for more information and help making keep reading for all the details. informed decisions about your retirement plan account. This service is provided by the financial professional listed – not by Voya Financial. Want to learn more about your plan’s investment options? After you login to the enrollment website you’ll find lots of helpful information.

3018935.C.P-5_p1 (1/16) 5 Target Date Funds Target date funds have been made available by your employer if you don’t have the time or interest to manage your asset mix and, instead, want professional managers to help keep the mix on track for you. If you like the idea of relying on a single portfolio that becomes more conservative in a predictable way as you approach retirement, target date funds might be right for you. They give you access to professionally managed and monitored portfolios that adjust over time as your investment goals near. You can choose the target date fund option that’s closest to the date you would like to retire. As you approach this target date, the portfolio will automatically move from a more aggressive investment mix to a more conservative investment mix. For example, given options similar to those in the illustration below, if you plan to retire in 2042, you may want to consider a fund or portfolio with a target date of 2040. Please note that some target date funds are offered in 10-year increments instead and that the illustration below is not representative of the target date funds being offered in your plan.

You can choose the target date fund The closer you are to your retirement that targets the date you want to retire. date, the less exposure you should have to potential market downturns just when you need your money. If you choose a target

Higher date fund, adjustments are automatically 2060 Fund made for you. 2055 Fund 2050 Fund Generally speaking, Target Date funds Retiring in 40 Years or More target a certain date range for retirement, 2045 Fund or the date the investor plans to start 2040 Fund withdrawing money. Investors can select Reward Potential 2035 Fund the fund that corresponds to their target 2030 Fund date. They are designed to rebalance 2025 Fund to a more conservative approach as the 2020 Fund date nears. An investment in the Target Retiring in 5 Years or Less Retirement Fund Date Fund is not guaranteed at any time, Lower including on or after the target date. Lower Risk Higher

Investments with higher potential return carry higher risks.

ASSET CLASS KEY How target date funds are adjusted over STABILITY OF PRINCIPAL FUNDS INCOME-ORIENTED FUNDS time as each portfolio becomes more conservative. AGGRESSIVE FUNDS

More Aggressive More Conservative Initially the portfolio will include Some money is gradually shifted out More is allocated to a mix of more aggressive funds. of more aggressive funds and into stability of principal funds. more income-oriented funds.

The pie charts reflect hypothetical long-term, strategic allocation composition (“target allocations”). Please refer to the prospectus for more information about the specific target date funds being offered by your plan.

3019691.C.P-7_target WLT 250000151 (07/19) 6 Self-Assessment Quiz and Model Portfolios This self-assessment quiz will help you determine your risk tolerance. Once you’ve added up your answers, review the model portfolio that corresponds to your score. Each model gives you a general idea of how you could use different asset classes to build a well-diversiﬁed portfolio. After reviewing the model portfolios, you can choose from speciﬁc investment options offered by your Plan in each asset class.

Model Portfolios

Self-Assessment Quiz 5% Aggressive 22% Portfolio Scoring: 4 Strongly Agree 3 Agree 2 Disagree 1 Strongly Disagree 22% 21% Score: 28-32 30% Financial Goals SCORE

1. Investments: I have long-term financial goals of 10 years or longer. 7% 13% Moderately 2. Large expenses: I do not need short-term investment results to 21% Aggressive cover financial obligations or planned expenditures. 21% Portfolio 14% Score: 23-27 3. Inflation: Despite the risks, growth of capital is most important to me. 24%

Risk Tolerance 10% 25% Moderate 19% 4. Volatility: I am more focused on growth of capital than on receiving Portfolio regular income. 19% 11% Score: 18-22 5. Risk vs. reward: When pursuing my financial goals, I can handle 16% short-term losses on my investments. 10% 6. Decline in value: I am willing to accept additional investment risk 45% Moderately when this risk increases the probability of reaching my financial goals. 13% Conservative 13% Portfolio 7. Equity investing: I understand the potential consequences of not 8% Score: 13-17 reaching my financial goals. 11%

8. Knowledge of risk: I consider myself to be a sophisticated investor. 15% 60% 9% Conservative 9% Portfolio 2% Score: 8-12 What type of investor are you? Total Score 5% Risk Tolerance Score Aggressive 28-32 ASSET CLASS KEY Moderately Aggressive 23-27 STABILITY OF PRINCIPAL Moderate 18-22 BONDS Moderately Conservative 13-17 LARGE CAP VALUE Conservative 8-12 LARGE CAP GROWTH SMALL/MID/SPECIALTY GLOBAL/INTERNATIONAL

The Models are provided solely for informational purposes and do not constitute investment advice. The Models were constructed as of February 2017 based on available asset classes, benchmarks, constraints, capital market expectations and market conditions at that time, and are not tailored to any individual customer’s circumstances. The Models are generally updated periodically, typically on an annual basis.

3019712.C.P-6 (8/18)_p1 7 Choose My Own Investments If you’re a conﬁdent investor, your Plan gives you the ability to create and maintain your own customized investment strategy, as well as access to all the tools and resources you need. Before you get started, take a few minutes to brush up on key investing concepts. Stocks are often called Equities because they represent ownership (or equity) in a corporation. Bonds are often called Income investments because they represent loans to corporations or government entities. These loans pay interest, and that’s considered income. Money Market –“Bills”– are short-term investments in a wide variety of relatively lower-risk securities, such as Government Bonds and Treasury Bills. These are also called cash investments because they are easily converted to cash. Asset classes are the different categories and sub-categories of the above investments. They are grouped into common investment objectives and styles. How you invest among them is a very important decision. Investing across several different asset classes is called diversiﬁcation. How much you invest in each asset class is called asset allocation.

Potential Risk/Reward Balance of Different Asset Classes Asset Class Risk and Reward To create an investment strategy Global/International that’s right for you, you need to

diversify across different types of Higher Small/Mid/Specialty investments. A diversiﬁed investment strategy may protect you from Large Cap Growth large losses because, even if some investments falter, others may Large Cap Value perform well. Each asset class offers a different Balanced

potential risk as well as reward. Potential Reward Bonds The mix of asset classes that’s right for you depends on your own Stability of Principal

investment timeframe and risk Lower tolerance. Generally, the longer you Lower Risk Higher have to invest and the higher your appetite for risk, the greater your Investments are not guaranteed and are subject to investment risk including the possible loss of potential for returns – and vice versa. principal. The investment return and principal value of the security will fluctuate so that when redeemed, may be worth more or less than the original investment. The bottom line is that how you Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely invest among the various asset to experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign classes (and individual funds within stocks and small and midcap stocks may be more volatile than large cap stocks. Investing in bonds also them) is one of the most important entails credit risk and interest rate risk. Credit risk is the risk of loss of principal and/or interest stemming from a borrower’s failure to repay a loan or otherwise meet a contractual obligation. Interest rate risk is decisions you’ll have to make. the risk that an investment’s value will change due to a change in interest rates. Generally investors with Additional investment information, longer time frames can consider assuming more risk in their investment portfolio. including one-page fact sheets that Generally speaking, an investment in a money market fund is not insured or guaranteed by the Federal describe each fund, is included in Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve this workbook and can help you the value of your investment at $1.00 per share, there is no assurance that it will be able to do so. get started. While the fund’s objective includes the preservation of capital, it is possible to lose money by investing money in the fund. While diversification and asset allocation are well-known investment strategies, they neither assure nor guarantee better performance and cannot protect against loss in declining markets.

8 3019714.C.P-4 (3/17) retirement savingsplan. to takeadvantageofyouremployer-sponsored You’ve gotthis.Keepgoingandlearnhowbest Getting realaboutyourretirementstartshere. the hardpart’soutofway. Now thatyouknowhowtogetstarted, What’s Next? Get startednow 9 3019716.C.P-4 (3/17) 10 when youknowwhereeverythingis. long-term goals.Andthatcanbeeasiertodo helps tokeepyourstrategyfocusedon When you’vegotyoureyeonretirement,it accounts? multiple retirement Keeping trackof money outofyourretirementaccount. implications ofeachactionbeforetaking is animportantone,socheckonthe it intoanIRA,orcashout.Thedecision account intoyournewemployer’splan,roll with yourformeremployer,move You canleaveyourretirementaccount manage them. options youhaveto accounts areandwhat Review whereyour 3019738.C.P3019726.C.P-1 (3/11) (9/14) Forms 11 3019726.C.P-1 (9/14) 12 ● ● ● ● Tips forcompletingyourenrollmentform: Enrolling intheCompanyRetirementPlan signed oritwillnotbeaccepted. Please besuretosignanddateyourform.Itmustreceivedwithin90daysofthe your planandtheinvestmentoptionsavailabletoyou. contained inthePlanHighlightsandInvestmentInformationsectiontolearnmoreabout Prior tocompletingyourenrollmentform,pleaserefertheimportantinformation fractions) andyourelectionsmustequal100%. want tobeincontrol:I’llkeepitmyhands”optionrequireswholenumbers(no form. Then,besuretofullycompletetheelectionswithinthatoption.Pleasenote: “I When selectingyourinvestmentstrategy,pleasechooseonlyoneoptionlistedonthe the mistakeandinitialyourcorrection. Print legiblyusingapenandcompletetheentireform.Ifyoudomakeanerror,correct accordance withyourPlan’srules. Once youenroll,canchangeyourcontributionrateand/orinvestmentelectionsin 2. Ifyouprefertoenrollusingapaperform,completetheenclosedEnrollmentForm. 1. Toenrollonline,pleaseusethefollowinginstructions. There aretwomethodsavailabletoyouforenrollinginthecompanyretirementplan: ENROLLMENT FORM Cajun Industries Holdings, LLC

Plan Number: 860009 Participant Information: Tell us who you are, and how we can reach you. Name (first, middle initial, last) Social Security Number Male Female

Address (number & street) Date of Birth (MM/DD/YYYY) Date of Hire (MM/DD/YYYY)

Home Phone Work Phone & Extension

City/Town State Zip Employee Number Location Code Email Address Marital Status Married Single Contribution Information: Tell us how much you would like to save per pay period. PRE-TAX CONTRIBUTIONS Yes, I want to contribute ______% or $______of my compensation per pay period on a pre-tax basis. CATCH-UP CONTRIBUTIONS The IRS allows participants age 50 or older to contribute up to an additional $6,000.00 per year, as increased based on the Cost of Living Adjustment. Catch-Up contributions will be made on a pre-tax basis. Yes, I want to make a Catch-Up contribution of ______% or $______of my compensation under the catch-up provision. WAIVE PARTICIPATION No, thank you. I do not want to participate in my employer’s retirement plan at this time. I am choosing not to save any compensation. Investment Selection: Your investment choices are below, you tell us how much and where you want to save your contributions. OPTION ONE: I LIKE TO KEEP IT SIMPLE; GIVE ME A HANDY SOLUTION TARGET DATE FUNDS I WANT TO INVEST IN PROFESSIONALLY MANAGED FUNDS THAT PROVIDE DIVERSIFICATION. To select a target date fund go to option two and enter 100% in the fund that tracks most closely with the year you plan to retire. Fold and tear on perforation The target date options are listed under Asset Allocation.

OPTION TWO: I WANT TO BE IN CONTROL; I’LL KEEP IT IN MY HANDS I WANT CONTROL. I WILL CHOOSE MY OWN INVESTMENT MIX. Yes, I want to invest my contributions according to the allocations designated below. A maximum of 25 investment options may be selected. Use this section to select a percentage other than 100% for options previously listed. Fund# Fund# Stability of Principal Bonds Voya Fixed Account (4062) (xxxx) ____% AB High Income Fund Z (6346) ____% BrandywineGLOBAL Glbl Opp Bnd Fd IS (3869) ____% DFA Inflat-Prot Securities Port Inst (3223) ____% Investment choices continue on next page.

Form No. E001 (05/14) ( LA )

>>> Complete entire form. Signature required on last page of form. Voya Retirement Insurance P.O. Box 990063 and Annuity Company Hartford, CT 06199-0063 ENROLLMENT FORM (Continued) Cajun Industries Holdings, LLC Participant Information (please type or print clearly) Name (first, middle initial, last) Social Security Number Plan Number: 860009 - - Investment Selection (continued): We’ll tell you about your investment choices; you decide what’s right for you.

Fund# Fund# Bonds Balanced Inv Opp Senior Floating Rate Fund Y (6237) ____% Invesco Equity & Income Fund R6 (3700) ____% Invesco Core Plus Bond Fund R6 (7291) ____% Vanguard Wellesley Income Fund Adm (2322) ____% Lord Abbett Short Duration Inc Fd R6 (2444) ____% Large Cap Value Vanguard Total Bnd Mrkt Ind F Adm (898) ____% Inv Opp Main Street Fund R6 (3508) ____% Asset Allocation MFS Value Fund R6 (9857) ____% TIAA-CREF Lifecycle 2010 Fund Inst (3344) ____% Vanguard 500 Index Fund Adm (899) ____% TIAA-CREF Lifecycle 2015 Fund Inst (3346) ____% Large Cap Growth TIAA-CREF Lifecycle 2020 Fund Inst (3349) ____% AB Large Cap Growth Fund Z (4717) ____% TIAA-CREF Lifecycle 2025 Fund Inst (3533) ____% Small/Mid/Specialty TIAA-CREF Lifecycle 2030 Fund Inst (3535) ____% DFA Real Estate Securities Port Inst (1438) ____% TIAA-CREF Lifecycle 2035 Fund Inst (3537) ____% DFA U.S. Vector Equity Portf Inst (3485) ____% TIAA-CREF Lifecycle 2040 Fund Inst (3539) ____% Janus Hndrsn Triton Fund N (3065) ____% TIAA-CREF Lifecycle 2045 Fund Inst (6201) ____% Neuberger Berman Md Cp Grw Fnd R6 (3833) ____% TIAA-CREF Lifecycle 2050 Fund Inst (6203) ____% Undiscovered Mngrs Bhvrl Val Fd R6 (9403) ____% TIAA-CREF Lifecycle 2055 Fund Inst (6205) ____% Vanguard Extend Mrkt Index Fnd Adm (1353) ____% TIAA-CREF Lifecycle 2060 Fund Inst (3051) ____% Vanguard Small-Cap Index Fund Adm (757) ____% TIAA-CREF Lifecycle Rt Inc Fund Inst (6208) ____% Global / International TRowePrc Personal Strat Growth Fd I (8648) ____% Inv Opp Intl Diversified Fund R6 (6236) ____% Vanguard Developed Mkts Indx Fd Adm (6500) ____% Vanguard Emr Mkts Stck Ind Fd Adm (6722) ____%

Total 100% All contributions should be made in whole percentages, totaling 100%. Please initial any erasures, strikeouts or corrections.

Rollover Do you want to learn more about rolling over and consolidating your retirement investments? Contact a Customer Service Associate today by calling 1-800-584-6001.

>>> Complete entire form. Form No. E001 (05/14) ( LA ) Signature required on last page of form. Voya Retirement Insurance P.O. Box 990063 and Annuity Company Hartford, CT 06199-0063 ENROLLMENT FORM (Continued) Cajun Industries Holdings, LLC Participant Information (please type or print clearly) Name (first, middle initial, last) Social Security Number Plan Number: 860009 - - Acknowledgements and Signature Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

One or more of these options may be offered through a custodial or trust arrangement and/or a group annuity or funding agreement issued by Voya Retirement Insurance and Annuity Company. For investment options offered through a funding agreement or group annuity contract, I understand that the current tax laws provide for deferral or taxation on earnings on account balances; and that, although the funding agreement or group annuity contract provides features and benefits that may be of value, it does not provide for any additional deferral of taxation beyond that provided by the Plan itself. I have received, read and understood the Voya Financial participant information booklet, prospectuses and/or investment option summaries describing the investment options.

SIGN me up! Please sign and date below.

Participant Signature ______Date: ______

Please complete this form and return it to your Employer.

Form No. E001 (05/14) ( LA ) Voya Retirement Insurance P.O. Box 990063 and Annuity Company Hartford, CT 06199-0063

Enrolling online

Getting started is easy. Visit the website below to learn more about your options – and to enroll in the plan in just minutes.

enroll.voya.com Enter this plan information to login: ● Plan Number: 860009 ● Verification Number:86000999

It’s time to make your move Once you’re logged in, you have a couple of decisions to make. How much do you want to save per paycheck? How do you want to invest those savings? Read on to learn more about your options. And then log in for further details and a simple, interactive experience that helps you make those choices.

Guide me with a pre-defined investment You can choose an investment strategy based simply on the year you are planning to retire or the amount of risk you feel comfortable taking. Funds are selected and managed to best meet your goals.

Get there myself by choosing my own investments The interactive online experience makes it easy for you to build your own mix by selecting from the following available funds:

Fund Name Fund # Fund Name Fund #

Stability of Principal TIAA-CREF Lifecycle 2060 Fund Inst 3051 Voya Fixed Account (4062) xxxx TIAA-CREF Lifecycle Rt Inc Fund Inst 6208 Bonds TRowePrc Personal Strat Growth Fd I 8648 AB High Income Fund Z 6346 Balanced BrandywineGLOBAL Glbl Opp Bnd Fd IS 3869 Invesco Equity & Income Fund R6 3700 DFA Inflat-Prot Securities Port Inst 3223 Vanguard Wellesley Income Fund Adm 2322 Inv Opp Senior Floating Rate Fund Y 6237 Large Cap Value Invesco Core Plus Bond Fund R6 7291 Inv Opp Main Street Fund R6 3508 Lord Abbett Short Duration Inc Fd R6 2444 MFS Value Fund R6 9857 Vanguard Total Bnd Mrkt Ind F Adm 898 Vanguard 500 Index Fund Adm 899 Asset Allocation Large Cap Growth TIAA-CREF Lifecycle 2010 Fund Inst 3344 AB Large Cap Growth Fund Z 4717 TIAA-CREF Lifecycle 2015 Fund Inst 3346 Small/Mid/Specialty TIAA-CREF Lifecycle 2020 Fund Inst 3349 DFA Real Estate Securities Port Inst 1438 TIAA-CREF Lifecycle 2025 Fund Inst 3533 DFA U.S. Vector Equity Portf Inst 3485 TIAA-CREF Lifecycle 2030 Fund Inst 3535 Janus Hndrsn Triton Fund N 3065 TIAA-CREF Lifecycle 2035 Fund Inst 3537 Neuberger Berman Md Cp Grw Fnd R6 3833 TIAA-CREF Lifecycle 2040 Fund Inst 3539 Undiscovered Mngrs Bhvrl Val Fd R6 9403 TIAA-CREF Lifecycle 2045 Fund Inst 6201 Vanguard Extend Mrkt Index Fnd Adm 1353 TIAA-CREF Lifecycle 2050 Fund Inst 6203 Vanguard Small-Cap Index Fund Adm 757 TIAA-CREF Lifecycle 2055 Fund Inst 6205

Funds list continues on next page. Fund Name Fund # Fund Name Fund #

Global / International Vanguard Developed Mkts Indx Fd Adm 6500 Inv Opp Intl Diversified Fund R6 6236 Vanguard Emr Mkts Stck Ind Fd Adm 6722

Take the first step by enrolling today. Once you’re on your way, you’ll understand why it’s one of the most important things you can do for your future. Fold and tear on perforation

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Contingent Beneficiary Contingent Beneficiary Primary Beneficiary Primary Beneficiary Primary Beneficiary Primary Beneficiary Primary Contingent Beneficiary Contingent Beneficiary

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under myEmployer's Plan.  Date of Birth (mm/dd/yyyy) ofBirth Date (mm/dd/yyyy) of Birth Date Date ofBirth(mm/dd/yyyy) Date ofBirth(mm/dd/yyyy) Date ofBirth(mm/dd/yyyy) Date ofBirth(mm/dd/yyyy) Married

Order #167359 03/06/2015

Percentage Percentage Percentage Percentage Percentage Percentage of the  )

Single

Beneficiary Designation Form (continued)

Cajun Industries Holdings, LLC

Plan Number: 860009 Name (first, middle initial, last) Social Security Number - -

Certification ☐ I am not married at the time I am making this beneficiary designation. I understand that if I later marry, I must submit a new designation naming my spouse as beneficiary, unless he or she agrees in writing to a different beneficiary. ☐ I am married and have named my spouse as sole/primary beneficiary. ☐ I am married and have named someone other than my spouse as sole/primary beneficiary and my spouse agrees to such designation (spouse must also sign below in the presence of a Notary Public or Plan Representative).

Trust Certification By signing below, I certify that: A. Name of Trust or Trust instrument ______B. The Trust or Trust instrument identified above, is in full force and effect and is a valid Trust or Trust instrument under the laws of the State or Commonwealth of ______C. The Trust is irrevocable, or will become irrevocable, upon my death. D. All beneficiaries are individuals and are identifiable from the terms of the Trust. In the event that any of the information provided above changes, I will provide Voya Financial® with the changes, within a reasonable period of time. By designating a Trust, additional documentation and/or certification may be required. Signatures

I hereby certify under the pains and penalties of perjury that information I furnished herein is true, accurate and complete.

Participant’s Signature Signed in City/Town and State Date (mm/dd/yyyy)

Witness’ Name Witness’ Signature

(Account Holder’s signature must be witnessed. Witness must be a person of legal age, and someone other than spouse or designated beneficiary.)

Please complete this form and return it to your Plan Administrator.

Form No. 82094 ODK Order #167359 03/06/2015 Page 2 of 3 (Incomplete without all pages)

Beneficiary Designation Form (continued) Cajun Industries Holdings, LLC

Plan Number: 860009

Spousal Consent This is to certify that I am the spouse of the above named participant and agree with the beneficiary designation. I understand that the above designation specifies the only person(s) who will receive any death benefits payable in the event of death of the participant.

Spouse’s Name Social Security Number - -

Spouse’s Signature Date (mm/dd/yyyy)

On this the ______day of ______, in the year of ______before me, ______(Notary) the undersigned officer, personally appeared ______(spouse) known to me (or satisfactorily proven) to be the person whose name is subscribed to within the instrument and acknowledged that he/she executed the same for the purposes therein contained. In Witness Whereof, I hereunto set my hand ______Notary Public (SEAL) My Commission Expires ______OR AUTHORIZED PLAN REPRESENTATIVE The above spousal consent was signed by the Spouse in my presence. Authorized Plan Representative Name (Please print.) ______Authorized Plan Representative Signature ______Date (mm/dd/yyyy) ______

Please complete this form and return it to your Plan Administrator.

Form No. 82094 ODK Order #167359 03/06/2015 Page 3 of 3 (Incomplete without all pages)

INCOMING DIRECT ROLLOVER TO A 401 PLAN

Voya Retirement Insurance and Annuity Company (“VRIAC”) Voya Institutional Plan Services, LLC (“VIPS”) Members of the Voya® family of companies PO Box 990063, Hartford, CT 06199-0063 Phone: 800-584-6001 Fax: 800-643-8143 As used on this form, the term “Voya,” “Company,” “we,” “us” or “our” refer to your plan’s funding agent and/or administrative services provider. That entity is either VRIAC or VIPS. Contact us for more information. INSTRUCTIONS Please contact your Plan Administrator prior to completing this form to determine if assets under an existing plan or traditional IRA can be rolled over into this Plan. If yes, complete this form and forward it to the former investment provider/record keeper along with a request for a distribution. Mail or fax a copy to the address or phone number above. Please make a photocopy if you wish to retain a copy for your records. If you are not previously enrolled in the Plan, your Plan Administrator must submit a completed Enrollment Form before requesting a transfer or rollover to Voya. If you intend to accomplish an indirect rollover (i.e., where you remit a personal check to Voya), we must receive backup from your prior record keeper to support the amounts indirectly rolled over. Funds will be applied to the account the same day they are received from the former investment provider/record keeper if received in good order before the close of the New York Stock Exchange (NYSE) on any day it is open for trading. All requests received in good order after the close of the NYSE (usually 4 p.m. ET) will be processed the next day the NYSE is open.

GOOD ORDER Good order is receipt at the designated location of this form accurately and entirely completed, and includes all necessary signatures. If this form is not received in good order, as we determine, it may be returned to you for correction and processed upon re-submission in good order at our designated location. Beneﬁciaries and QDRO Alternate Payees are prohibited by the IRS from rolling over money from other qualiﬁed retirement plans or IRAs into their 401(a), 401(k), 403(b) accounts unless they are also an employee of the company. Rollover from a Roth Account - If you are directly rolling over Roth money, we must receive cost basis and the Designated Roth Account’s start date directly from your prior record keeper.

1. PLAN INFORMATION Fold and tear on perforation Plan Name CAJUN INDUSTRIES HOLDINGSLLC 401(K) PLAN Plan Number 860009

2. PARTICIPANT INFORMATION

Name (last, first, middle initial)

SSN/TIN (Required) Date of Birth

Resident Street Address or PO Box

City State ZIP

Work Phone (include extension) Home Phone

3. FORMER INVESTMENT PROVIDER/RECORD KEEPER

Former Investment Provider/Record keeper Name

Former Investment Account # Phone #

Page 1 of 2 - Incomplete without all pages. Order #129482 10/15/2018 TM: ROLLINLOA 4. ROLLOVER AMOUNT (Check all applicable boxes. Rollovers from Roth IRA accounts are not permitted.) Please indicate source: F 403(b) plan F 401 plan F Governmental 457 F Traditional IRA FPre-Tax Rollover Amount ...... $ FRollover of Designated Roth Amount ...... $ FRollover of Non-Roth After-Tax Amount ...... $ Start Date Roth Contributions .....$ Employee Non-Roth After-Tax Contributions $ FRollover of In Plan Roth Rollover Amount ...... $ Start Date In Plan Roth Basis ...... $

5. INVESTMENT INSTRUCTIONS (Use whole percentages (e.g. 33%, not 33 1/3%). Must total 100%.) Unless otherwise indicated below, your Direct Rollover assets will be invested according to your current investment elections for ongoing contributions of the Plan indicated on page one. If you choose to invest your Direct Rollover assets differently, enter the percentage of the Direct Rollover amount to be split among Plan investment options as speciﬁed below. Obtain the fund names/numbers from your most recent quarterly statement package or enrollment kit. Fund Number/Name Percentage Fund Number/Name Percentage

6. ROLLOVER TO VOYA (Please choose only one option.) F Mail Check Directly to Voya F Wire Transfer Directly to Voya Mail check payable to Voya Institutional Trust Co. F/B/O Participant Wire Funds to: Name, Social Security Number, and Plan # 860009 Wells Fargo Bank, N.A. to the address below. ABA Number: 121000248 Voya Institutional Trust Company/Prem Collection Regular Mail: Bank Account Number: 2087350311363 Voya Institutional Trust Company Beneﬁciary References: PO Box 3015 Include Participant Name, Social Security Number (9 digit New York, NY 10116-3015 numeric), Plan # 860009 Overnight/Express Mail: (6 digit numeric) and Payroll location (if any) JP Morgan Chase C/O (4 digit numeric). Payee: Voya Institutional Trust Company Example: John J. Jones 999-99-9999 888123-0001 Attn: Lock Box 3015 4 Chase Metrotech Center, 7th Floor East Brooklyn, NY 11245 (Six digit plan number must be referenced on the check. ) 7. PARTICIPANT SIGNATURE AND ACKNOWLEDGEMENT I understand that the Direct Rollover amounts will be subject to the applicable Internal Revenue Service and Plan withdrawal restrictions. I understand that the Direct Rollover will be invested using my current investment allocation under this plan to the extent on ﬁle unless I submit this form to indicate alternate investment selections for this Direct Rollover. I acknowledge that I have read and accept the terms of this form and that the information shown is correct and complete. Participant Signature Date 8. PLAN ADMINISTRATOR SIGNATURE AND CERTIFICATION As the Plan Administrator, I hereby accept this rollover in and Plan investment direction, and have reviewed the form to ensure all necessary information is completed. Plan Administrator Name (Please print.) Plan Administrator Signature Date 9. LETTER OF ACCEPTANCE F Letter of Acceptance Required – Check this box if the Prior Plan/IRA Service Provider requires a Letter of Acceptance from Voya to complete your rollover or transfer request. A Letter of Acceptance will not be issued unless this box is checked. F Fax the Letter of Acceptance to ( ) - Attention F Mail the Letter of Acceptance to me at the Participant address indicated on this form. F Mail the Letter of Acceptance to the Prior Plan / IRA Service Provider at the address indicated below. Company Name Attention Address City State ZIP Page 2 of 2 - Incomplete without all pages. Order #129482 10/15/2018 TM: ROLLINLOA 3019734.C.P3019726.C.P-1 (3/11) (9/14) Investment Information Plan Highlightsand 25 3019726.C.P-1 (9/14) 26 PLAN HIGHLIGHTS

Cajun Industries Holdings, LLC 401(k) Plan

Introduction Employer Contributions Rollovers This section describes highlights Money from other qualified plans of your employer's retirement Profit Sharing such as 401(k) plans is accepted. plan. It represents a general Your employer has established a Rollover contributions are allowed overview of the information Profit Sharing plan. A Profit prior to meeting the eligibility printed in your employer's Sharing plan is a tax-qualified requirements of the plan. Summary Plan Description retirement plan in which your (SPD). Your retirement program employer makes contributions on Contribution Change Frequency is more fully described in the your behalf. The amount of the You may stop contributions at any formal provisions of your contribution is determined by an time. Once you have stopped, you employer's plan document. If allocation formula that is generally may resume contributions each pay there is a conflict between these based on participant earnings, period. You may also increase or plan highlights and your SPD, while annual contributions are decrease contributions each pay the language provided in the generally based on the company's period. plan document will govern. profits. Contributions may be modified during times of business Investment Transfers Eligibility Requirements hardship. Using Voya's automated telephone You are eligible to participate in or Internet service, you have the the plan when you are 18 years of Employer Match ability to review your accounts and age and have 1 year of service. Your employer may match 100% transfer funds from one investment up to $1,000 & 50% of the next option to another, 24-hours a day. Enrollment Dates $2,000 of the contributions you Once you have met the eligibility make to the plan. Hardship Withdrawals requirements, you can join the plan Hardship withdrawal may be taken monthly. Vesting in case of extreme hardship as You will always be 100% vested in defined by the IRS when no other Employee Contributions the portion of your account sources are available. You may contribute 0 - 100% of attributable to your Employee your annual pay, not to exceed contributions. You are also 100% In-Service Withdrawals $19,000 annually. Annual vested upon your death, normal In-service withdrawals are limitations are set by the IRS and retirement, or disability. Your permitted by your plan.If your Plan are subject to change. The tax laws employer contributions are subject allows for distributions prior to age may also let you contribute an to the following vesting schedule: 59 1/2, these distributions will be additional amount over the regular subject to an early distribution annual limit if you are at least 50 Employer Match Contributions penalty of 10% additional tax years old. Check with your benefits 1 year of service 0% 2 years of unless certain exceptions apply. manager to see if you can take service 20% 3 years of service 40% This tax applies to the amount advantage of the increased 4 years of service 60% 5 years of received that you must include in opportunity to 'catch up' and service 80% 6 years of service income. Generally, there are contribute even more to your 100% restrictions on what dollars are employer's plan. If your adjusted available for in-service gross income does not exceed Profit Sharing Contributions distribution. See your Summary certain limits, you may be eligible 1 year of service 0% 2 years of Plan Description for more detail. for a tax credit. service 20% 3 years of service 40% 4 years of service 60% 5 years of Distribution & Withdrawals service 80% 6 years of service Funds are available at retirement, 100% death, disability, or termination of service.

27 Loan Provision You may take a loan from vested amounts in your account. The amount the Plan may loan to you is limited by rules under the Internal Revenue Code. Any new loans, when added to the outstanding balance of all other loans from the Plan, will be limited to the lesser of: a) $50,000 reduced by the excess, if any, of your highest outstanding balance of loans from the Plan during the one-year period ending on the day before the date of the new loan over your current outstanding balance of loans as of the date of the new loan; or b) 1/2 of your vested interest in the Plan. The amount the Plan may loan to you can also be limited by Plan rules such as which Employee and Employer Contributions are available for loan use, the number of loans that can be outstanding at any one time or how often you may request a loan. For specific details please refer to your Summary Plan Description (SPD). When thinking about taking a loan from your plan, keep in mind that when money is withdrawn from a retirement savings account, it reduces the power of tax-deferred compounding.

Participant Account Statements Your investment statements are provided quarterly.

28 My Retirement OverviewTM A “study guide” for retirement planning.

Retirement My Retirement Overview can make takes into account several retirement preparing for the “retirement readiness income sources, including: readiness test: test” easier, delivering two powerful • Current retirement savings calculators in one educational tool. It • Ongoing retirement plan contributions allows you to estimate, in a few steps, • Social Security retirement benefits How much money will how much you may need to save for • Defined benefit pension plan benefits retirement and how various savings you need to retire? Part 2): With the Paycheck calculator amounts are likely to impact your take you can compare your current paycheck home pay today. The results are presented How much can you situation to alternative situations. You can in a graph that identifies potential gaps in immediately see how increased retirement afford to save from retirement funding and the ability to print plan contributions would impact your take- your personalized retirement needs and each paycheck? home pay, taxes deferred and potential paycheck analyses. growth over time. Where can you find Part 1): With the Retirement calculator you these answers? can estimate how much you may need to Getting started save each paycheck, each year, in order to If interested, you can check out reach your financial objectives. The analysis My Retirement Overview by visiting My Retirement Overview VoyaRetirementPlans.com

The income graph in the Retirement Calculator illustrates whether you might have a retirement income gap to ﬁll. You can also modify key variables and recalculate the results immediately.

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency IMPORTANT: The illustrations or other information generated by My Retirement Outlook regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation. Any insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company (“VRIAC”), Windsor, CT or ReliaStar Life Insurance Company, (“ReliaStar”), Minneapolis, MN. VRIAC or ReliaStar is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC (“VIPS”). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All products or services may not be available in all states. Only VRIAC is admitted and its products offered in the state of New York.

Voya.com

29 30 CAJUN INDUSTRIES HOLDINGS LLC 401(K) PLAN Voya Plan 860009 Your Investment Program - Plan-related Information August 31, 2019

The purpose of this document is to summarize certain plan-related information regarding the plan’s investment options and fees to be paid in connection with plan services or options selected. It is intended to be read along with the comparative chart of Investment-related Information. These summaries are not intended to replace the Summary Plan Description (SPD), or the investment product information provided separately by Voya. This summary is intended for the sole purpose of complying with the disclosure requirements of Department of Labor regulations under §2550.404a-5. Please refer to your plan’s disclosure materials prior to making investment decisions. Fees are subject to change from time to time. If there is any conflict between this summary and the governing plan agreements, then the governing plan agreements will control.

Contributions to the plan can be invested in a variety of investment options and you may have one or more forms of distribution to choose from. You will receive periodic statements that will include account values, unit values, and fees deducted. You will also have access to your account through Voya’s Customer Contact Center and participant website.

Where and How to Give investment instructions The plan permits participants to direct the investment of contributions.

After you have enrolled in the Plan, you may direct your investments by accessing Voya’s plan participant website at www.voyaretirementplans.com or by calling the Voya Retirement Services Customer Contact Center at 1-800-584-6001.

Designated Investment Alternatives The designated investment alternatives available under the plan as of the date above are as follows:

AB High Income Fund Z AB Large Cap Growth Fund Z BrandywineGLOBAL Glbl Opp Bnd Fd IS DFA Inflat-Prot Securities Port Inst DFA Real Estate Securities Port Inst DFA U.S. Vector Equity Portf Inst Inv Opp Intl Diversified Fd R6 Inv Opp Main Street Fd R6 Inv Opp Senior Floating Rte Fd Y Invesco Core Plus Bond Fund R6 Invesco Equity & Inc Fd R6 Janus Hndrsn Triton Fund N Lord Abbett Short Duration Inc Fd R6 MFS Value Fund R6 Neuberger Berman Md Cp Grw Fnd R6 TIAA-CREF Lifecycle 2010 Fund Inst TIAA-CREF Lifecycle 2015 Fund Inst TIAA-CREF Lifecycle 2020 Fund Inst TIAA-CREF Lifecycle 2025 Fund Inst TIAA-CREF Lifecycle 2030 Fund Inst TIAA-CREF Lifecycle 2035 Fund Inst TIAA-CREF Lifecycle 2040 Fund Inst TIAA-CREF Lifecycle 2045 Fund Inst TIAA-CREF Lifecycle 2050 Fund Inst TIAA-CREF Lifecycle 2055 Fund Inst TIAA-CREF Lifecycle 2060 Fund Inst TIAA-CREF Lifecycle Rt Inc Fund Inst TRowePrc Personal Strat Growth Fd I Undiscovered Mngrs Bhvrl Val Fd R6 Vanguard 500 Index Fund Adm Vanguard Developed Mkts Indx Fd Adm Vanguard Emr Mkts Stck Ind Fd Adm Vanguard Extend Mrkt Index Fnd Adm Vanguard Small-Cap Index Fund Adm

Page 1 of 11

31 Vanguard Total Bnd Mrkt Ind F Adm Vanguard Wellesley Income Fund Adm Voya Fixed Account (4062)

Please refer to the comparative investment chart for information about designated investment alternatives available as of the date above. The funds available are subject to change from time to time. The designated investment alternatives available to new participants are identified during the enrollment process. Once you have enrolled, your Voya website will be your source of information on available funds.

Asset Allocations Made Easier Model Portfolios

Some or all of the funds listed above are also available to you under the Asset Allocation Made Easier ("AAME") model portfolios available under your plan. These asset allocation model portfolios have been created by your plan or their advisor utilizing the funds available under your plan. If you select AAME, the assets in your account are automatically allocated in accordance with the model selected, and are automatically rebalanced periodically based upon the frequency selected by the plan or their advisor. You do not acquire units in the model portfolio itself, but are investing directly in the funds underlying the portfolio.

Annual General Plan Administrative Fees The fee amounts below are deducted from all participant accounts. If more than one service provider performs services on behalf of the plan, then each provider’s fees are shown separately. Certain fees that apply to the same service may be combined on your statements.

The “Allocation of Fees” column describes how each fee is allocated among participants. “Pro-rata” means that participants each pay a portion of a plan-level fee amount based on their share of plan assets. “Per capita” means all participants pay an equal share of a larger plan-level fee amount (i.e. plan-level amount is divided by the number of participants). “Per Participant” means that the same fee amount is assessed against all participants (e.g. $15/participant, etc.).

Fee Type Fee Amount Allocation of Entity Charging the Fee Fees Consulting Fee 0.23% Per Participant Plan Service Provider Other Admin Fee 0.14% Per Participant Plan Service Provider Plan Compliance Services Fee $31.45 Per Participant RETIREMENT STRATEGIES GROUP (RSG) *

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

Fee Type Fees* Entity Charging the Fee Hardship Distribution Processing, one-time charge per $50.00 RETIREMENT disbursement or withdrawal: STRATEGIES GROUP (RSG) * In-Service Withdrawal and Hardship Distribution Processing, $50.00 Voya one-time charge per disbursement or withdrawal: [Note: Not applicable for 90-day permissible withdrawals under

Page 2 of 11

32 Fee Type Fees* Entity Charging the Fee Automatic Enrollment] In-Service Withdrawal Processing, one-time charge per $50.00 RETIREMENT disbursement or withdrawal: STRATEGIES GROUP (RSG) * Loan Initiation Fee, one-time charge per loan: $100.00 Voya Loan Initiation Fee, one-time charge per loan: $50.00 RETIREMENT STRATEGIES GROUP (RSG) * Overnight Mail, per occurrence: $50.00 Voya Participant-Initiated Wire, per occurrence: $50.00 Voya Qualified Domestic Relations Order (QDRO), per occurrence: $200.00 RETIREMENT STRATEGIES GROUP (RSG) * Required Minimum Distribution (RMD) Fee, per occurrence: $50.00 RETIREMENT STRATEGIES GROUP (RSG) * Stop Payment, per occurrence: $50.00 Voya Termination Distribution Processing, one-time charge per $50.00 Voya distribution: Termination Distribution Processing, one-time charge per $50.00 RETIREMENT distribution: STRATEGIES GROUP (RSG) * *The above fees are subject to change from time to time.

Additional Disclosures Separate fees may be assessed against your account if you elect other transactions or service programs, or for third party services. The amount of any fees actually deducted from your account will be shown on your quarterly employee statement or confirmation.

Some of the plan’s administrative expenses were paid from revenue sharing payments of one or more of the plan’s designated investment alternatives.

Your plan is subject to a Fund Revenue Requirement of a stated percentage of assets, excluding assets in the Voya Fixed Accounts, loans, company stock or self-directed brokerage account, if applicable. We shall apply to this requirement the revenue that we receive from mutual fund companies for services rendered on behalf of the Plan. Such revenue shall include 12b-1 revenue, sub-transfer agency fees, and any administrative service fees paid to us by the mutual fund companies. If we receive less than the required revenue annually, the Plan may be billed the difference between actual and required revenue. The employer reserves the right to assess a revenue shortfall against participant accounts. Amounts deducted, if any, will be done so on a pro-rata basis, and will be shown on your quarterly employee statement.

Page 3 of 11

33 Voya Retirement Insurance and Annuity Company INVESTMENT-RELATED INFORMATION CAJUN INDUSTRIES HOLDINGS LLC 401(K) PLAN Voya Plan 860009 August 31, 2019

This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown below. You can also contact Voya Retirement Services Customer Contact Center at 1-800-584-6001, One Orange Way, Windsor, CT 06095. A free paper copy of the information available on the Web site can be obtained by contacting Voya Retirement Services Customer Contact Center at 1-800-584-6001.

This summary is intended for the sole purpose of complying with the disclosure requirements of Department of Labor regulations under §2550.404a-5. Please refer to your plan’s disclosure materials prior to making investment decisions.

Document Summary This document has 2 parts. Part I consists of performance information for plan investment options. This part shows you how well the investments have performed in the past. Part II shows you the fees and expenses you will pay if you invest in an option.

Part I. Performance Information

Table 1 focuses on the performance of investment options that do not have a fixed or stated rate of return. Table 1 shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option’s principal risks is available on the Web site[s].

All funds assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses as well as separate account charges where applicable. The numbers may also reflect maintenance fees, administration fees, and/or deferred sales charges, if your contract is funded through a registered separate account. The table shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Note that the benchmark performance does not reflect the fees and charges associated with the product and investment options in your particular contract.

Table 1 - Variable Return Investments Name / Type of Option Average Annual Total Return as of 12/31/18 Benchmark 1 yr 5 yr 10 yr Since 1 yr 5 yr 10 yr Since Inception Inception

ASSET ALLOCATION TIAA-CREF Lifecycle 2010 Fund -3.92% 3.85% 7.56% -3.50% 6.67% 10.29% Inst www.voyaretirementplans.com BarCap US Agg Bond TR USD 30% / S&P 500 TR 70% TIAA-CREF Lifecycle 2015 Fund -4.41% 4.03% 8.08% -3.50% 6.67% 10.29% Inst www.voyaretirementplans.com

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34 Name / Type of Option Average Annual Total Return as of 12/31/18 Benchmark 1 yr 5 yr 10 yr Since 1 yr 5 yr 10 yr Since Inception Inception

BarCap US Agg Bond TR USD 30% / S&P 500 TR 70% TIAA-CREF Lifecycle 2020 Fund -5.18% 4.24% 8.66% -3.50% 6.67% 10.29% Inst www.voyaretirementplans.com BarCap US Agg Bond TR USD 30% / S&P 500 TR 70% TIAA-CREF Lifecycle 2025 Fund -6.05% 4.43% 9.23% -5.86% 3.74% 7.41% Inst www.voyaretirementplans.com BarCap Aggregate Bond Treasury TR 40% / MSCI World USD 60% TIAA-CREF Lifecycle 2030 Fund -7.09% 4.56% 9.73% -7.01% 5.52% 9.85% Inst www.voyaretirementplans.com BCap US AgBd TR 23.6%/R3000 TR 53.5%/MSCI ACWI xUS NR 22.9% TIAA-CREF Lifecycle 2035 Fund -8.04% 4.67% 10.17% -7.85% 5.80% 10.39% Inst www.voyaretirementplans.com BCap US AgBd TR 15.6%/R3000 TR 59.1%/MSCI ACWI xUS NR 25.3% TIAA-CREF Lifecycle 2040 Fund -8.92% 4.79% 10.39% -8.44% 6.02% 10.82% Inst www.voyaretirementplans.com BarCap US AgBd TR 10%/Rus3000 TR 63%/MSCI ACWI ex US NR 27% TIAA-CREF Lifecycle 2045 Fund -9.59% 4.81% 10.38% -8.44% 6.02% 10.82% Inst www.voyaretirementplans.com BarCap US AgBd TR 10%/Rus3000 TR 63%/MSCI ACWI ex US NR 27% TIAA-CREF Lifecycle 2050 Fund -9.82% 4.85% 10.37% -8.44% 6.02% 10.82% Inst www.voyaretirementplans.com BarCap US AgBd TR 10%/Rus3000 TR 63%/MSCI ACWI ex US NR 27% TIAA-CREF Lifecycle 2055 Fund -9.86% 4.89% 6.91% -7.87% 5.37% 6.91% Inst www.voyaretirementplans.com BarCap US AgBd TR 10%/Rus3000 TR 67.5%/MSCI EAFE&EMNR 22.5% TIAA-CREF Lifecycle 2060 Fund -10.06% 5.02% -7.95% 4.99% Inst www.voyaretirementplans.com S&P Target Date 2060+ Index TR USD

TIAA-CREF Lifecycle Rt Inc Fund -3.84% 3.67% 6.86% -5.86% 3.74% 7.41% Inst www.voyaretirementplans.com BarCap Aggregate Bond Treasury TR 40% / MSCI World USD 60%

Page 5 of 11

35 Name / Type of Option Average Annual Total Return as of 12/31/18 Benchmark 1 yr 5 yr 10 yr Since 1 yr 5 yr 10 yr Since Inception Inception

TRowePrc Personal Strat Growth -5.95% 5.49% 11.56% -6.74% 4.59% 9.47% Fd I www.voyaretirementplans.com Morningstar Moderately Aggressive Target Risk Index BALANCED Invesco Equity & Inc Fd R6 -9.29% 4.58% 9.29% -8.27% 5.95% 11.18% www.voyaretirementplans.com Russell 1000 Value Index TR USD

Vanguard Wellesley Income Fund -2.49% 4.97% 8.02% -1.45% 3.02% 4.72% Adm www.voyaretirementplans.com BBgBarc US Credit A+ TR Index

BONDS AB High Income Fund Z -5.47% 3.38% 11.14% -2.72% 4.43% 11.48% www.voyaretirementplans.com BBgBarc Global High Yield Index TR Hdg USD BrandywineGLOBAL Glbl Opp Bnd -4.90% 1.84% 5.80% -0.84% 0.77% 1.52% Fd IS www.voyaretirementplans.com FTSE World Government Bond Index USD

DFA Inflat-Prot Securities Port Inst -1.29% 1.73% 3.73% -1.26% 1.69% 3.64% www.voyaretirementplans.com BBgBarc Capital U.S.Treasury U.S.TIPS Index TR USD Inv Opp Senior Floating Rte Fd Y -0.78% 2.94% 8.43% * www.voyaretirementplans.com Invesco Core Plus Bond Fund R6 -2.32% 3.20% 3.00% 0.01% 2.52% 3.49% www.voyaretirementplans.com BBgBarc U.S.Aggregate Bond Index TR USD

Lord Abbett Short Duration Inc Fd 1.50% 2.17% 4.47% 1.62% 1.62% 3.50% R6 www.voyaretirementplans.com BofAML US Corps 1-3 Yr TR Index

Vanguard Total Bnd Mrkt Ind F -0.03% 2.46% 3.42% -0.08% 2.50% 3.49% Adm www.voyaretirementplans.com Spliced BBgBarc US Agg Float Adjusted Index

GLOBAL / INTERNATIONAL Inv Opp Intl Diversified Fd R6 -14.27% 1.87% 9.67% -14.20% 0.67% 6.57% www.voyaretirementplans.com MSCI ACWI ex USA Index NR USD

Vanguard Developed Mkts Indx Fd -14.46% 0.85% 6.26% -14.79% 0.83% 6.89% Adm www.voyaretirementplans.com

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36 Name / Type of Option Average Annual Total Return as of 12/31/18 Benchmark 1 yr 5 yr 10 yr Since 1 yr 5 yr 10 yr Since Inception Inception

FTSE Dvlp ex US All Cap(US RIC)NR Index

Vanguard Emr Mkts Stck Ind Fd -14.58% 1.32% 7.47% -14.77% 1.80% 8.30% Adm www.voyaretirementplans.com FTSE EMs AC CHN A Inc(US RIC)Trns NR

LARGE CAP GROWTH AB Large Cap Growth Fund Z 2.27% 11.82% 15.77% -1.51% 10.40% 15.29% www.voyaretirementplans.com Russell 1000 Growth Index TR USD

LARGE CAP VALUE Inv Opp Main Street Fd R6 -7.52% 6.86% 12.35% -4.38% 8.49% 13.12% www.voyaretirementplans.com S&P 500 Index TR USD

MFS Value Fund R6 -9.78% 6.01% 11.07% -8.27% 5.95% 11.18% www.voyaretirementplans.com Russell 1000 Value Index TR USD

Vanguard 500 Index Fund Adm -4.43% 8.46% 13.10% -4.38% 8.49% 13.12% www.voyaretirementplans.com S&P 500 Index TR USD

SMALL/MID/SPECIALTY DFA Real Estate Securities Port -2.99% 8.51% 12.41% -4.38% 8.49% 13.12% Inst www.voyaretirementplans.com S&P 500 Index TR USD

DFA U.S. Vector Equity Portf Inst -13.24% 4.01% 12.10% -5.24% 7.91% 13.18% www.voyaretirementplans.com Russell 3000 Index TR USD

Janus Hndrsn Triton Fund N -5.04% 8.27% 17.00% -7.47% 6.19% 14.76% www.voyaretirementplans.com Russell 2500 Growth Index TR USD

Neuberger Berman Md Cp Grw -5.72% 6.43% 13.01% -4.75% 7.42% 15.12% Fnd R6 www.voyaretirementplans.com Russell Mid Cap Growth Index TR USD

Undiscovered Mngrs Bhvrl Val Fd -15.20% 4.99% 14.85% -12.86% 3.61% 10.40% R6 www.voyaretirementplans.com Russell 2000 Value Index TR USD

Vanguard Extend Mrkt Index Fnd -9.36% 5.28% 13.63% -9.57% 5.17% 13.54% Adm www.voyaretirementplans.com S&P Completion Index TR USD

Vanguard Small-Cap Index Fund -9.31% 5.25% 13.57% -9.33% 5.24% 14.07% Adm

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37 Name / Type of Option Average Annual Total Return as of 12/31/18 Benchmark 1 yr 5 yr 10 yr Since 1 yr 5 yr 10 yr Since Inception Inception

www.voyaretirementplans.com CRSP US Small Cap TR USD

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

Certain benchmark performance data that appears in Table I may be provided by MSCI or Bank of America. Please read these important disclaimers concerning that information:

Source: MSCI. Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI’s express written consent.

Source BofA Merrill Lynch, used with permission. BOFA MERRILL LYNCH IS LICENSING THE BOFA MERRILL LYNCH INDICES "AS IS, "MAKES NO WARRANTIES REGARDING SAME, DOES NOT GUARANTEE THE SUITABILITY, QUALITY, ACCURACY, TIMELINESS, AND/OR COMPLETENESS OF THE BOFA MERRILL LYNCH INDICES OR ANY DATA INCLUDED IN, RELATED TO, OR DERIVED THERE FROM, ASSUMES NO LIABILITY IN CONNNECTION WITH THEIR USE,AND DOES NOT SPONSOR, ENDORSE, OR RECOMMEND VOYA, OR ANY OF ITS PRODUCTS OR SERVICES.

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

Table 2 - Fixed Return Investments Name / Type of Option Return Term Other

STABILITY OF PRINCIPAL Voya Fixed Account (4062) 2.60% N/A Rates are subject to change at any time www.voyaretirementplans.com subject to contract guarantees. The Guaranteed Minimum Interest rate is 1.00%. Current rate information is available by calling 1-800-584-6001.

Part II. Fee and Expense Information

Table 3 shows fee and expense information for the investment options listed in Table 1 and Table 2. Table 3 shows the Total Gross and Net Annual Operating Expenses of the options in Table 1. Net Operating Expenses are reduced by fund waivers and adjustments, when applicable. Annual Operating Expenses are expenses that reduce the rate of return of the investment option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Annual Operating Expenses. To find additional information about your investments, please see applicable fund information in the appropriate documents made available to you (e.g. prospectus, Fund Fact Sheet, fund information section on the plan’s web site, etc.).

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38 Table 3 - Fees and Expenses Name / Type of Option Total Gross Annual Total Net Annual Shareholder Type Fees/ Operating Expenses Operating Expenses Fund Restrictions As a % Per $1,000 As a % Per $1,000

ASSET ALLOCATION TIAA-CREF Lifecycle 2010 Fund Inst 0.49% $4.90 0.37% $3.70

TIAA-CREF Lifecycle 2015 Fund Inst 0.50% $5.00 0.38% $3.80

TIAA-CREF Lifecycle 2020 Fund Inst 0.50% $5.00 0.39% $3.90

TIAA-CREF Lifecycle 2025 Fund Inst 0.52% $5.20 0.41% $4.10

TIAA-CREF Lifecycle 2030 Fund Inst 0.53% $5.30 0.42% $4.20

TIAA-CREF Lifecycle 2035 Fund Inst 0.54% $5.40 0.43% $4.30

TIAA-CREF Lifecycle 2040 Fund Inst 0.55% $5.50 0.44% $4.40

TIAA-CREF Lifecycle 2045 Fund Inst 0.56% $5.60 0.45% $4.50

TIAA-CREF Lifecycle 2050 Fund Inst 0.57% $5.70 0.45% $4.50

TIAA-CREF Lifecycle 2055 Fund Inst 0.59% $5.90 0.45% $4.50

TIAA-CREF Lifecycle 2060 Fund Inst 0.79% $7.90 0.45% $4.50

TIAA-CREF Lifecycle Rt Inc Fund Inst 0.52% $5.20 0.37% $3.70

TRowePrc Personal Strat Growth Fd I 0.75% $7.50 0.66% $6.60

BALANCED Invesco Equity & Inc Fd R6 0.40% $4.00 0.39% $3.90

Vanguard Wellesley Income Fund Adm 0.16% $1.60 0.16% $1.60

BONDS AB High Income Fund Z 0.50% $5.00 0.50% $5.00

BrandywineGLOBAL Glbl Opp Bnd Fd IS 0.59% $5.90 0.59% $5.90

DFA Inflat-Prot Securities Port Inst 0.12% $1.20 0.12% $1.20

Inv Opp Senior Floating Rte Fd Y 0.88% $8.80 0.87% $8.70

Invesco Core Plus Bond Fund R6 0.46% $4.60 0.45% $4.50

Lord Abbett Short Duration Inc Fd R6 0.32% $3.20 0.32% $3.20

Vanguard Total Bnd Mrkt Ind F Adm 0.05% $0.50 0.05% $0.50

GLOBAL / INTERNATIONAL Inv Opp Intl Diversified Fd R6 0.86% $8.60 0.86% $8.60

Vanguard Developed Mkts Indx Fd Adm 0.07% $0.70 0.07% $0.70

Vanguard Emr Mkts Stck Ind Fd Adm 0.14% $1.40 0.14% $1.40

LARGE CAP GROWTH

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39 Name / Type of Option Total Gross Annual Total Net Annual Shareholder Type Fees/ Operating Expenses Operating Expenses Fund Restrictions As a % Per $1,000 As a % Per $1,000

AB Large Cap Growth Fund Z 0.59% $5.90 0.57% $5.70

LARGE CAP VALUE Inv Opp Main Street Fd R6 0.48% $4.80 0.48% $4.80

MFS Value Fund R6 0.48% $4.80 0.48% $4.80

Vanguard 500 Index Fund Adm 0.04% $0.40 0.04% $0.40

SMALL/MID/SPECIALTY DFA Real Estate Securities Port Inst 0.19% $1.90 0.18% $1.80

DFA U.S. Vector Equity Portf Inst 0.32% $3.20 0.32% $3.20

Janus Hndrsn Triton Fund N 0.66% $6.60 0.66% $6.60

Neuberger Berman Md Cp Grw Fnd R6 0.61% $6.10 0.61% $6.10

Undiscovered Mngrs Bhvrl Val Fd R6 0.92% $9.20 0.87% $8.70

Vanguard Extend Mrkt Index Fnd Adm 0.07% $0.70 0.07% $0.70

Vanguard Small-Cap Index Fund Adm 0.05% $0.50 0.05% $0.50

STABILITY OF PRINCIPAL Voya Fixed Account (4062) N/A N/A N/A N/A •Transfers from this Fund may not be made directly to a Competing Fund. •Transfers from this Fund will prevent transfers to a Competing Fund for 90 days. •Market Value Adjustments per contract formula for non-benefit Surrenders.

Voya "Excessive Trading" Policy Voya actively monitors fund transfer and reallocation activity within its variable insurance and retirement products to identify Excessive Trading. Voya currently defines Excessive Trading as: a) More than one purchase and sale of the same fund (including money market funds) within a 60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a “roundtrip”). This means two or more round-trips involving the same fund within a 60 calendar day period would meet Voya’s definition of Excessive Trading; or b) Six round-trips within a twelve month period.

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

Voya’s Excessive Trading Policy does not apply to Employer Stock Funds, Fixed Account, Fixed Plus Account, Guaranteed Accumulation Account or Stabilizer.

The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor’s Web site for help with understanding your retirement plan fees and expenses at https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-

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40 center/publications/understanding-your-retirement-plan-fees. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.

Please visit Voya Retirement Plans Website at www.voyaretirementplans.com for a glossary of investment terms relevant to the investment options under this plan. This glossary is intended to help you better understand your Options.

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41 42 P E R F O R M A N C E U P D A T E

CAJUN INDUSTRIES HOLDINGS LLC

Average Annual Total Returns as of: 09/30/2019 (shown in percentages)

Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested.

The performance data quoted represents past performance. Past performance does not guarantee future results. For month- end performance which may be lower or higher than the performance data shown please call 800-232-5422. Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.

The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.

You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above. Please read the prospectus carefully before investing.

Returns less than one year are not annualized. Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product.

Fund Gross Net Inception Fund Fund Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incept Date Exp %* Exp %*

Stability of Principal

Stability of Principal Voya Fixed Account (4062) - 4062 (1)(22) 0.21 0.65 1.94 2.60 2.60 2.66 3.06 Bonds

Bank Loan Invesco Oppenheimer Senior Floating Rate Fund - -0.49 -2.00 2.23 -2.10 2.99 3.07 5.33 09/08/1999 0.88 0.87 Class Y - 6237 (2) High Yield Bond AB High Income Fund - Class Z - 6346 (3) 0.64 1.34 10.71 5.27 4.89 4.55 7.57 02/25/1994 0.50 0.50 Inflation-Protected Bond DFA Inflation-Protected Securities Portfolio - Inst Class -1.25 0.97 7.85 7.82 2.18 2.56 3.65 09/18/2006 0.12 0.12 - 3223 Intermediate-Term Bond Invesco Core Plus Bond Fund - Class R6 - 7291 (4) -0.26 2.74 10.84 10.02 3.79 4.16 4.82 06/03/2009 0.46 0.45 Vanguard® Total Bond Market Index Fund - Admiral™ -0.59 2.43 8.70 10.45 2.91 3.35 3.70 11/12/2001 0.05 0.05 Shares - 898 Short-Term Bond Lord Abbett Short Duration Income Fund - Class R6 - 0.08 0.73 4.77 5.36 2.97 2.74 3.48 11/04/1993 0.32 0.32 2444 World Bond BrandywineGLOBAL - Global Opportunities Bond Fnd - 0.06 -1.67 4.90 3.70 1.75 1.56 4.32 11/01/2006 0.59 0.59 Class IS - 3869 Asset Allocation

Lifecycle TIAA-CREF Lifecycle 2010 Fund - Institutional Class - 0.35 1.13 11.40 5.14 6.34 5.49 7.09 10/15/2004 0.49 0.37 3344 (5)(6)

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43 See Performance Introduction Page for Important Information Fund Gross Net Inception Fund Fund Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incept Date Exp %* Exp %* TIAA-CREF Lifecycle 2015 Fund - Institutional Class - 0.41 0.92 11.89 4.65 6.71 5.76 7.51 10/29/2004 0.50 0.38 3346 (6)(7) TIAA-CREF Lifecycle 2020 Fund - Institutional Class - 0.49 0.99 12.71 4.25 7.27 6.13 8.03 10/15/2004 0.50 0.39 3349 (6)(8) TIAA-CREF Lifecycle 2025 Fund - Institutional Class - 0.68 0.78 13.54 3.44 7.88 6.50 8.55 10/29/2004 0.52 0.41 3533 (6)(9) TIAA-CREF Lifecycle 2030 Fund - Institutional Class - 0.77 0.58 14.40 2.64 8.44 6.83 9.02 10/15/2004 0.53 0.42 3535 (6)(10) TIAA-CREF Lifecycle 2035 Fund - Institutional Class - 0.96 0.48 15.30 1.81 8.99 7.16 9.45 10/15/2004 0.54 0.43 3537 (6)(11) TIAA-CREF Lifecycle 2040 Fund - Institutional Class - 1.15 0.29 15.88 0.76 9.48 7.41 9.71 10/15/2004 0.55 0.44 3539 (6)(12) TIAA-CREF Lifecycle 2045 Fund - Institutional Class - 1.28 0.08 16.30 -0.07 9.61 7.52 9.74 11/30/2007 0.56 0.45 6201 (6)(13) TIAA-CREF Lifecycle 2050 Fund - Institutional Class - 1.28 0.00 16.42 -0.19 9.69 7.57 9.77 11/30/2007 0.57 0.45 6203 (6)(14) TIAA-CREF Lifecycle 2055 Fund - Institutional Class - 1.26 -0.07 16.43 -0.38 9.74 7.61 8.21 04/29/2011 0.59 0.45 6205 (6)(15) TIAA-CREF Lifecycle 2060 Fund - Institutional Class - 1.28 -0.08 16.67 -0.47 9.80 7.68 7.51 09/26/2014 0.79 0.45 3051 (6) TIAA-CREF Lifecycle Retire Income Fnd - Institutional 0.30 1.08 11.31 5.24 6.08 5.27 6.61 11/30/2007 0.52 0.37 Class - 6208 (6)(16) Lifestyle T. Rowe Price Personal Strategy Growth Fund - I Class 1.05 0.55 16.00 4.63 10.19 7.83 10.21 07/29/1994 0.75 0.66 - 8648 (17) Balanced

Allocation--30% to 50% Equity Vanguard® Wellesley® Income Fund - Admiral™ 0.63 2.80 13.73 10.63 6.72 6.53 8.13 05/14/2001 0.16 0.16 Shares - 2322 Allocation--50% to 70% Equity Invesco Equity and Income Fund - Class R6 - 3700 (18) 1.86 0.67 14.13 1.29 7.20 5.89 8.75 10/01/2002 0.40 0.39 Large Cap Value

Large Blend Invesco Oppenheimer Main Street Fund - Class R6 - 0.61 0.93 22.60 5.83 11.49 9.73 12.40 02/02/1988 0.48 0.48 3508 Vanguard® 500 Index Fund - Admiral™ Shares - 899 1.87 1.69 20.54 4.22 13.36 10.80 13.21 11/13/2000 0.04 0.04 Large Value MFS® Value Fund - Class R6 - 9857 2.53 2.50 21.54 7.52 10.54 9.25 11.67 01/02/1996 0.48 0.48 Large Cap Growth

Large Growth AB Large Cap Growth Fund - Class Z - 4717 (19) 0.12 0.77 21.84 7.42 17.52 14.73 15.32 09/28/1992 0.59 0.57 Small/Mid/Specialty

Mid-Cap Blend Vanguard® Extended Market Index Fund - Admiral™ 1.03 -1.61 17.57 -3.80 9.95 8.52 12.42 11/13/2000 0.07 0.07 Shares - 1353 Mid-Cap Growth Neuberger Berman Mid Cap Growth Fund - Class R6 -3.05 -1.52 25.08 2.41 14.40 11.21 13.38 09/03/1996 0.61 0.61 Shares - 3833 Mid-Cap Value DFA U.S. Vector Equity Portfolio - Institutional Class - 3.92 -0.08 15.90 -5.23 8.37 6.71 11.30 12/30/2005 0.32 0.32 3485 Small Blend Vanguard® Small-Cap Index Fund - Admiral™ Shares - 1.38 -1.45 17.78 -3.81 9.62 8.62 12.38 11/13/2000 0.05 0.05 757 Small Growth Janus Henderson Triton Fund - Class N Shares - 3065 -0.03 -3.08 21.65 -2.26 14.07 12.72 15.32 02/28/2005 0.66 0.66

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44 See Performance Introduction Page for Important Information Fund Gross Net Inception Fund Fund Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incept Date Exp %* Exp %* Small Value Undiscovered Managers Behavioral Value Fd - Cl R6 6.27 -1.31 14.96 -8.51 6.20 7.66 12.72 12/28/1998 0.92 0.87 Sh - 9403 (20) Specialty - Real Estate DFA Real Estate Securities Portfolio - Institutional Class 1.61 7.69 28.24 21.64 8.37 11.04 13.38 01/05/1993 0.19 0.18 - 1438 (21) Global / International

Diversified Emerging Mkts Vanguard® Emerging Markets Stock Index Fund - 1.34 -3.60 8.07 1.27 5.26 2.01 3.16 06/21/2000 0.14 0.14 Admiral™ Sh - 6722 Foreign Large Blend Vanguard® Developed Markets Index Fund - Admiral™ 3.09 -0.99 12.63 -2.08 6.28 3.62 5.07 08/17/1999 0.07 0.07 Shares - 6500 Foreign Large Growth Invesco Oppenheimer International Diversified Fd - 1.03 -2.86 12.90 -1.88 6.71 5.26 6.93 09/27/2005 0.86 0.86 Class R6 - 6236 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. *The Gross Expense Ratios shown do not reflect any temporary fee or expense waivers that may be in effect for a fund. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees / expenses listed had been reflected.

Additional Notes (1)The current rate for the Voya Fixed Account (4062) MC 952, Fund 4062 is 2.60%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 1.00%. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period.

(2)Invesco Oppenheimer Senior Floating Rate Fund - Class Y: After discussions with the Fund's Board, the Manager has contractually agreed to waive fees and/or reimburse Fund expenses in an amount equal to the indirect management fees incurred through the Fund's investments in funds managed by the Manager or its affiliates. This fee waiver and/or expense reimbursement may not be amended or withdrawn for one year from the date of the Fund's prospectus, unless approved by the Board.

(3)AB High Income Fund - Class Z: In connection with the Fund's investments in AB Government Money Market Portfolio (the "Money Market Portfolio"), the Adviser has contractually agreed to waive its management fee from the Fund and/or reimburse other expenses of the Fund in an amount equal to the Fund's pro rata share of the Money Market Portfolio's effective management fee, as included in "Acquired Fund Fees and Expenses".

(4)Invesco Core Plus Bond Fund - Class R6: Invesco has also contractually agreed to waive a portion of the Fund's management fee in an amount equal to the net management fee that Invesco earns on the Fund's investments in certain affiliated funds, which will have the effect of reducing the Acquired Fund Fees and Expenses. Unless Invesco continues the fee waiver agreements, they will terminate on December 31, 2019 and June 30, 2020, respectively. During their terms, the fee waiver agreements cannot be terminated or amended to increase the expense limit or reduce the advisory fee waiver without approval of the Board of Trustees.

(5)TIAA-CREF Lifecycle 2010 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of

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45 See Performance Introduction Page for Important Information Additional Notes Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception. (6)Each of the TIAA-CREF Lifecycle Funds is designed to provide a single diversified portfolio managed with a target retirement date in mind. The target date is the approximate date when investors expect to begin withdrawing money from the fund. Each portfolio invests in several underlying equity and fixed income funds offered by the TIAA-CREF Funds. The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will fluctuate. Current performance may be higher or lower than that shown, and you may have a gain or a loss when you redeem your mutual fund shares.

(7)TIAA-CREF Lifecycle 2015 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(8)TIAA-CREF Lifecycle 2020 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(9)TIAA-CREF Lifecycle 2025 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(10)TIAA-CREF Lifecycle 2030 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(11)TIAA-CREF Lifecycle 2035 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(12)TIAA-CREF Lifecycle 2040 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

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46 See Performance Introduction Page for Important Information Additional Notes (13)TIAA-CREF Lifecycle 2045 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(14)TIAA-CREF Lifecycle 2050 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(15)TIAA-CREF Lifecycle 2055 Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(16)TIAA-CREF Lifecycle Retire Income Fnd - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ('Advisors'), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: 0.00% of average daily net assets for Institutional Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2019, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2021, unless changed with approval of the Board of Trustees. This portion of the Management fee has been fully waived since the Fund's inception.

(17)T. Rowe Price Personal Strategy Growth Fund - I Class: T. Rowe Price Associates, Inc., is required to permanently waive a portion of its management fee charged to the fund in an amount sufficient to fully offset any acquired funds fees and expenses related to investments in other T. Rowe Price Funds. The amount of the waiver will vary each fiscal year in proportion to the amount invested in other T. Rowe Price Funds. The T. Rowe Price Funds would be required to seek regulatory approval in order to terminate this arrangement.

(18)Invesco Equity and Income Fund - Class R6: Invesco Advisers, Inc. (Invesco or the Adviser) has contractually agreed to waive a portion of the Fund's management fee in an amount equal to the net management fee that Invesco earns on the Fund's investments in certain affiliated funds, which will have the effect of reducing the Acquired Fund Fees and Expenses. Unless Invesco continues the fee waiver agreement, it will terminate on June 30, 2020. During its term, the fee waiver agreement cannot be terminated or amended to reduce the advisory fee waiver without approval of the Board of Trustees.

(19)AB Large Cap Growth Fund - Class Z: In connection with the Fund's investments in AB Government Money Market Portfolio (the "Money Market Portfolio"), the Adviser has contractually agreed to waive its management fee from the Fund and/or reimburse other expenses of the Fund in an amount equal to the Fund's pro rata share of the Money Market Portfolio's effective management fee, as included in "Acquired Fund Fees and Expenses".

(20)Undiscovered Managers Behavioral Value Fd - Cl R6 Sh: The Fund's adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.80% of the average daily net assets of Class R6 Shares. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). The Fund's adviser, shareholder servicing agent and/or administrator have contractually agreed to waive fees and/or reimburse expenses in an amount sufficient to offset the respective net fees each collects from the affiliated money market funds on the Fund's investment in such money market funds. These waivers are in effect through 12/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them. To the extent that the Fund engages in securities lending, affiliated money market fund fees and expenses resulting from the Fund's investment of cash received from securities lending borrowers are not included in Total Annual Fund Operating Expenses and therefore, the above waivers do not apply to such investments.

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47 See Performance Introduction Page for Important Information Additional Notes (21)DFA Real Estate Securities Portfolio - Institutional Class: Dimensional Fund Advisors LP (the Advisor) has agreed to waive certain fees and in certain instances, assume certain expenses of the DFA Real Estate Securities Portfolio. The Fee Waiver and Expense Assumption Agreement for the Portfolio will remain in effect through February 28, 2020, and may only be terminated by the Fund's Board of Directors prior to that date. Under certain circumstances, the Advisor retains the right to seek reimbursement for any fees previously waived and/or expenses previously assumed up to thirty-six months after such fee waiver and/or expense assumption.

(22)The Investment Option is neither a mutual fund nor part of a Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan. The Investment Option is offered through Voya Retirement Insurance and Annuity Company.

Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company, One Orange Way Windsor, CT 06095, (VRIAC), which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the Voya family of companies. Securities are distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement.

Creation Date: Friday, October 18, 2019 48 Page 6 of 6 ASSET ALLOCATION MADE EASIER

Asset Allocation Made Easier Voya® and its affiliates do not provide investment enables a plan’s designated advice to you or your retirement plan. representative, as identified in the Asset Allocation Made Easier is available to financial Asset Allocation Made Easier service advisors, investment advisor representatives, consultants or plan sponsors that are not affiliated agreement, to create risk-based with the Voya family of companies. model portfolios and/or target date model portfolio suites from funds Voya does not charge any additional fee for this service. The consultant or advisor may charge for the offered under the plan. You can service of providing advice to the Plan’s Participants. determine which portfolio suits you The Plan Sponsor is responsible for any service and select the portfolio you believe agreement with the consultant or advisor. Voya is not a party to this agreement between the sponsor balances your need for investment and the consultant or advisor. As a Plan fiduciary, the return with your tolerance for Plan Sponsor is responsible for assigning, monitoring investment risk. and periodically reviewing the appropriateness of the investment advice service.

The designated representative Neither Voya Retirement Insurance and Annuity can provide you with additional Company (VRIAC), Voya Institutional Plan Services, LLC (VIPS), Voya Financial Partners LLC, Voya Financial information about the model Advisers, nor any of their afﬁliates (collectively, Voya) portfolios available under your plan. is acting as a ﬁduciary within the meaning of ERISA in connection with the Asset Allocation Made Easier program.

Asset Allocation Made Easier is available through a Voya product or program, and only for plans that meet certain criteria speciﬁed by Voya.

164916 3024526.X.P-5 CN0310-32014-0419D 49 50 Voya Financial® “Excessive Trading” Policy

The Voya Financial® family of 1. Voya actively monitors fund transfer 2. If Voya determines that an individual companies (Voya®), as providers and reallocation activity within its has made a purchase of a fund variable insurance and retirement within 60 days of a prior round-trip of multi-fund variable insurance products to identify Excessive Trading. involving the same fund, Voya will and retirement products, send them a letter warning that Voya currently defines Excessive another sale of that same fund within has adopted this Excessive Trading as: 60 days of the beginning of the prior Trading Policy to respond to a. More than one purchase and sale round-trip will be deemed to be Excessive Trading and result in a six the demands of the various of the same fund (including money market funds) within a 60 calendar month suspension of their ability to fund families which make day period (hereinafter, a purchase initiate fund transfers or reallocations their funds available through and sale of the same fund is referred through the Internet, facsimile, Voice to as a “round-trip”). This means two Response Unit (VRU), telephone our variable insurance and or more round-trips involving the calls to Customer Service, or other retirement products to restrict same fund within a 60 calendar day electronic trading medium that Voya may make available from time to excessive fund trading activity period would meet Voya’s definition of Excessive Trading; or time (“Electronic Trading Privileges”). and to ensure compliance with Likewise, if Voya determines that b. Six round-trips within a 12 month Section 22c-2 of the Investment an individual has made five round- period. trips within a 12 month period, Voya Company Act of 1940, as will send them a letter warning that The following transactions are another purchase and sale of that amended. Voya’s current excluded when determining whether same fund within 12 months of the trading activity is excessive: definition of Excessive Trading initial purchase in the first round-trip and our policy with respect a. Purchases or sales of shares in the prior twelve month period will be deemed to be Excessive Trading to such trading activity is as related to non-fund transfers (for example, new purchase payments, and result in a six month suspension follows: withdrawals and loans); of their Electronic Trading Privileges. According to the needs of the b. Transfers associated with scheduled various business units, a copy of the dollar cost averaging, scheduled warning letters may also be sent, as rebalancing or scheduled asset applicable, to the person(s) or entity allocation programs; authorized to initiate fund transfers c. Purchases and sales of fund shares or reallocations, the agent/registered in the amount of $5,000 or less; representative or investment adviser for that individual. A copy of the d. Purchases and sales of funds that warning letters and details of the affirmatively permit short-term individual’s trading activity may also trading in their fund shares, and be sent to the fund whose shares movement between such funds and were involved in the trading activity. a money market fund; and e. Transactions initiated by a member of the Voya family of insurance companies.

51 3. If Voya determines that an individual 4. Following the six month suspension 6. Each fund available through Voya’s has used one or more of its products period during which no additional variable insurance and retirement to engage in Excessive Trading, Excessive Trading is identified, products, either by prospectus or Voya will send a second letter to the Electronic Trading Privileges may stated policy, has adopted or may individual. This letter will state that again be restored. Voya will continue adopt its own excessive/frequent the individual’s Electronic Trading to monitor the fund transfer and trading policy. Voya reserves Privileges have been suspended reallocation activity, and any future the right, without prior notice, for a period of six months. Excessive Trading will result in to implement restrictions and/or Consequently, all fund transfers or an indefinite suspension of the block future purchases of a fund reallocations, not just those which Electronic Trading Privileges. by an individual who the fund has involve the fund whose shares were Excessive Trading activity during the identified as violating its excessive/ involved in the Excessive Trading six month suspension period will also frequent trading policy. All such activity, will then have to be initiated result in an indefinite suspension of restrictions and/or blocking of future by providing written instructions the Electronic Trading Privileges. fund purchases will be done in to Voya via regular U.S. mail. accordance with the directions Voya During the six month suspension 5. Voya reserves the right to limit receives from the fund. period, electronic “inquiry only” fund trading or reallocation privileges will be permitted where privileges with respect to any and when possible. A copy of the individual, with or without prior letter restricting future transfer and notice, if Voya determines that reallocation activity to regular U.S. the individual’s trading activity is mail and details of the individual’s disruptive, regardless of whether trading activity may also be sent to the individual’s trading activity falls the fund whose shares were involved within the definition of Excessive in the Excessive Trading activity. Trading set forth above. Also, Voya’s failure to send or an individual’s failure to receive any warning letter or other notice contemplated under this Policy will not prevent Voya from suspending that individual’s Electronic Trading Privileges or taking any other action provided for in this Policy.

This Excessive Trading Policy applies to products and services offered through the Voya family of companies. © 2019 Voya Services Company. All rights reserved. 154907 3030779.X.P-3 WLT 5516942 CN808741_0421

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52 Information and Assistance

Voya offers tools and services to help you access information and plan for retirement the way you want – on the Web, over the phone and through our Customer Service Associates. Accessing your account for the ﬁrst time on the web or over the phone is easy! After you complete your enrollment, you will receive a Personal Identiﬁcation Number (PIN) in a separate mailer via U.S. mail. Your PIN is required to access your account by phone or to register for online access. If you wish to use Voya phone services or register for online access before receiving your PIN, follow the prompts to request a new PIN to be delivered to the email address or mobile number provided during the enrollment process.

WEB PHONE www.voyaretirementplans.com (800) 584-6001 You can access your account on the Web 24 hours a day, For help enrolling, please dial the special number you’ll seven days a week. find on the enrollment worksheet within this kit. The number above is for ongoing help once you’ve established Getting Started your retirement plan account. 1. Select ‘Register now’ 2. Enter your Social Security Number and PIN Automated Service is available toll-free, 24 hours a day, 3. Follow the prompts to complete your registration seven days a week. Voya Customer Service Associates are 4. You will be asked to create a personalized Username available Monday-Friday, 8:00 a.m. – 9:00 p.m. ET. and Password for ongoing use Getting Started Already registered? Login using your Username 1. For Voya’s Automated Service, press 1 and Password. 2. For assistance in Spanish, press 2 3. Enter your Social Security Number If you forget your Username or Password, click on Forgot 4. Enter your PIN Username? or Forgot Password? 5. Then, follow the system prompts that correspond Some possible service options include: to your needs • Checking your account balance To speak with a Voya Customer Service Associate, press 0. • Processing financial transactions • Generating an account statement Some possible service options include: • Obtaining investment information • Checking your account balance • Updating your personal profile • Processing financial transactions • Changing your password • Obtaining investment information • Accessing retirement planning tools and calculators • Speaking with a Customer Service Associate

You can also access your Plan Plan Contact Card account using your mobile Keep in touch with your account: device. The Voya Retirement Plan Account mobile app can Cajun Industries Holdings, LLC 401(k) Plan be downloaded from your Plan Number: 860009 preferred mobile app store. Search using the keywords: For automated phone access – 1-800-584-6001 Voya Retire. For Internet access – www.voyaretirementplans.com For a Customer Service Associate – 1-800-584-6001 M – F, 8 a.m. – 9 p.m., ET 3015793.C.P-5_OMNI (2/18) Not FDIC/NCUA/NCUSIF Insured Not a Deposit of a Bank/Credit Union I May Lose Value Not Bank/Credit Union Guaranteed Not Insured by Any Federal Government Agency Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). Fixed annuities are issued by VRIAC. VRIAC is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC (“VIPS”). Neither VRIAC nor VIPS engage in the sale or solicitation of securities. If custodial or trust agreements are part of this arrangement, they may be provided by Voya Institutional Trust Company. All companies are members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. All products or services may not be available in all states. © 2018 Voya Services Company 3018867.C.P-8 (3/18) CN0404-41215-0519BT

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